cfinclude suggestions

I want to avoid frames and try to call different content pages into a main page that has the design.

I read many posts here and want to be sure I have interpreted the suggestions correctlyl. Do I create the following pages and are they named appropriately?
template.cfm - with includes to application.cfm and OnRequestEnd.cfm
application.cfm - with includes to header.htm and menu.js
OnRequestEnd.cfm - with includes to footer.htm
header.htm - table with images, text, rollovers, links
footer.htm - table with images, text, links

I get confused when I read about cfm templates. where do i include the content pages? in the template.cfm? Should this be called index.cfm? where do i reference the style sheet? Anyone have examples of how to do this? Is there a good tutorial for this?

i'm not referencing a database yet - likely SQL, but once this is working that is the intent.

if you want to have a nice way of structurizing, you might consider to have a look at the Fusebox-concept

http://www.fusebox.org/

Yes, Fusebox handles layouts separately from page content so it is very easy to generate content and then "skin" it with a layout at the end of the request.