http://people.bu.edu/fiznat
I'm thinking about getting a domain for it sooner or later, but BU gives me space for free for now so. Yeah, I really suggest you learn HTML and CSS (cascading style scripts), along with some photoshop to make things look decent. The geocities, etc templates are crap, and if you dont know what you're doing I dont think you'll ever be that happy with what you're doin.
I dont use any programs to create my sites, I just type them out in wordpad or something and save as a .html file. Sometiems its easier to use something like html pad or whatever cause you can preview, but eh.
If you want to learn, I reccomend going to
http://www.webmonkey.com and learning the basics. Get the HTML basics down, and make sure you learn about tables (very important!). Style scripts is the next step, but they REALLY help to make things look good.
If you ever want any help or anything, feel free to IM me.