Those nav links open in the same frame, so the "Home" link is opening index.htm within that frame. But index.htm contains multiple frames, so you're opening a page with frames inside a frame.
I'd either look at the target attribute as synth3tk suggested, or just change the home link to "home.htm" instead of "index.htm".
I'd also avoid using anything but another HTML page for the frame content (namely, in the top frame).
Also, remember that using frames means users can't bookmark individual frames on the site. At the same time, you can't prevent people from going directly to one of the pages (e.g.
http://www.team3167.webs.com/About_3167.htm) in which case they won't see the top frame at all.