I Have Only Given You A Very Basic
Class In Making Frames. There Is Much
More Out On The Net To Learn !
Hopefully Building This Page Has
Taught You Enough, To Help You Understand
Any Other Frames Info On The Net.

You May Want To Try Replacing The cols= Tag
With rows= This Will Put Your Frames
One On Top Of The Other.
See I Told You There Is More To Learn...:+)