I know a little HTML, but not enough to make the 
site that I have up currently. So I checked 
around online and found a program called Cool 
Page. It's not as good as some of the more 
advanced web page builders, but it is competely 
free. ^_^ The only trick is that you will need an 
additional program such as Adobe Photoshop to 
make your graphics and then import them into Cool 
Page. If you don't already have Adobe, you can 
download the demo of Paint Shop Pro for free 
(that's what I used, I just got Adobe two days 
ago). 

Anyway, good luck with your site!

~Lina