I use Macromedia Dreamweaver and they have a template called the Halo template, which is just phenominal code and has WAY more than you need so you just remove whats not needed on a page, then edit the rest.
But you should try free code sites,
These guys have both two and three column templates:
http://www.ssi-developer.net/main/templates/3col.shtml
Here's some great layout examples and walkthroughs:
http://webdesign.about.com/cs/webdesignlayout/a/bl_layouts.htm
NOTE: the first one says it is not good ot break out of frames, but no matter WHAT the cost in code, Frames are the worst layout for company sites. MOST search engine spiders will not read content in frames, thus costing you MANY hits and visitors as you will not get ranked properly based on your content and body copy.