Failing that just pick anything. If you want to make your page look really professional try turning to the Microsoft colour schemes used in programs like Publisher. This is a fantastic option, as Microsoft knows what is best for you. Frames show you know what you are doing and know about the complexities of page layout. Frames are clever.
Frames are good.
The second step to a really smashing site is the incredibly cool tiling background image. It's not like anyone will notice. Of course many people will be looking at your site so it is important to make them feel welcome. See if you can create a big flashy welcome in an image-editing program. If you can't create a flashy welcome just steal one.