DASHER,
Depending on your needs, you might find the "Geobuilder" program at Geocities.com of use. It's actually a java applet that doesn't involve any download and installaiton per se. I think other big hosting companies have similar tools.
If you have an hour or two to spare, it works just fine - just be sure to save the page if your internet connection is prone to breakages
Once you're familiar with the way it works, it's a painless exercise to update and play around with page layout. It won't win you any creativity awards, but it gets the job done.
If you want a free program (actually a 30 day evaluation), try either of these two :
http://www.hotmetalpro.com/ http://www.netobjects.com/products/html/download.html
Best wishes.