OK, I have that 3 column w/ header css layout for my webpage... but there was a code the other day in the forums that would allow you to link each frame to a different page. If you have any idea what I'm talking about, please help me! If not, then please explain how to use this 3 (w/header) column layout... because I have no idea...

sounds like you are describing an IFRAME. perhaps do a quick search on the site for that and see if it is what you are looking for.