Include the city and state or country of the club or event. Not everyone is using Netscape. It can be fun to Netscape-enhance your pages, but the pages might be ugly or downright useless to people using other browsers. Hopefully the reason you're putting up a web page in the first place is to widely disseminate information, so don't prevent people from accessing it upfront. This is especially true of frames.
Most people access the Web from home over relatively slow modem links.
If you want people to be able to see a full image, include a thumbnail version with a link to the full image. There are also ways to significantly reduce the size of an image without losing image quality. Check out the Bandwidth Conservation Society page for full details. Different monitors and computers show colors in subtlely different ways. Make sure that your text will be readable on whatever background you choose.