Use Drupal for a website template
Most of the previous answers assumed you're looking for something to help you design and create individual web pages. I recently stumbled across a web _site_ template framework that lets me create entire websites in a few minutes - complete with database access, blogs, forums, polls, and much more.
If this sounds interesting, check out Drupal at
http://www.drupal.org and get an internet provider with a cpanel interface (this will let you install Drupal in one easy step). And it's completely free!
Once you have installed Drupal, you can choose from numerous look-and-feel templates, which you can also completely customize. Here's a list of several free Drupal templates:
http://themes.plusnix.net/theme_adc
The sites listed in my signature use Drupal, and I've converted most of my other sites to use it since it provides so many valuable features.