I’m not submitting these but if you want some free templates head on over to http://www.freesitetemplates.com
Strip the banners and text links back to designers (using the templates does not mean you have to give credit to the designer) and you have your own template.
If you want to make a template you will need a program such as Frontpage or be able to write html/php/whatever code and use notepad. All a template is is a empty shell of a website. Just a design, no text or content.