To create a document with frames, you use a FRAMESET tag structure instead of a BODY tag. The actual contents of your document is made up of seperate html documents that the FRAMESET points to. As in the example below, this frameset creates a window divided in half with the contents of A.html in the top half and B.html in the bottom.
<FRAMESET ROWS="50%,50%">
<FRAME SRC="A.html">
<FRAME SRC="B.html">
</FRAMESET>