Yeah babajc, those templates are old and I created before I knew anything about CSS but they're good for getting your feet wet. I do agree CSS is best. In fact, rashid38 I have a 3 column CSS template I made available from my site and you can customize it to add pictures in the left and right columns.
http://www.2createawebsite.com/design/cssTemplate1.zip
There are even instructions in the zip file for modifying the template. The other links the others provided will work too. W3Schools is a great site.