MS Paint for life... I have not seen that shade of blue for a while...
Seriously dude, pay someone to do it for you or buy a template.
www.templatemonster.com
Also, rembembering 9-11 is important, but you don't want to make people sad when you come to your site, does not make people go into a "lets get this guys services because he is so sensitive mood."
Cheers.