Depends what your after.
If your after an online shop, then
osCommerce has some templates.
If your after an image/photographic portfolio site why not use something like
flickr or
deviantart?
If you just want a personal home page, nothing beats learning a bit of HTML and doing it your self. Most ISPs will give you some free web space, and sites like
htmlgoodies and
webmonkey are excellent resources for beginners.