nope
the code for two columns and two rows in the first column would be something like this:
<frameset cols="50%,50%">
<frameset rows="50%,50%">
<frame src="col1row1.html">
<frame src="col1row2.html">
</frameset>
<frame src="col2.html">
</frameset>
a frameset is nothing more than a code container for your frames, this is where you decide wether you're making a frameset for columns or rows. cant have both attributes in the same
in the <frame> you simply decide what the source is for that frame
if you've defined two columns you'll have two <frame>s in that frameset
might seem complicated but it's not
on another note, forget everything i've just said.
why?
cause frames suck

it's best to use tables
<table>
<tr>
<td>firstrowleft</td>
<td rowspan=2>contentright</td>
</tr>
<tr>
<td>secondrowleft</td>
</tr>
</table>
does the same thing basically.
two columns, two rows in the first
then you can start working with php to include stuff, like nasser said
that would work like so:
<table>
<tr>
<td><?php include("menu.inc"); ?></td>
<td rowspan=2><?php include("content.inc"); ?></td>
</tr>
<tr>
<td><?php include("bannerbelowmenu.inc"); ?></td>
</tr>
</table>
these files that you include would contain each part of that site as described in the name
the menu file could be as simple as a few normal links. what is the advantage of this you ask? very simple: you can re-use it over and over without having to retype it
of course i havent defined any width/heights, havent done any css ("make up") etc but that could be the very skeleton of a site

(tbh i've never really used php much, never even included a file like that myself)
if you have any questions you can always ask me through pm
