You don't create a template with server Side Includes. You make it in graphics software eg Photoshop. Then you
code it in a text editor/DreamWeaver. You need CSS, HTML and this line of code.
PHP Code:
<? php include("pagename.ext"); ?>
Where pagename is the name of your page and .ext s the extension of the page. You need this on every page one at the top and one at the bottom.