<pre> 
&lt;!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Frameset//EN"
     "http://www.w3.org/TR/xhtml1/DTD/xhtml1-frameset.dtd">
&lt;html xmlns="http://www.w3.org/1999/xhtml">

&lt;head>&lt;title>Combining Framesets&lt;/title>&lt;/head>

&lt;frameset rows="70,*">

&lt;frame name="banner" src="banner.html" />

&lt;frameset COLS="180,*">
    &lt;frame name="index"  src="indexcity.html" />
    &lt;frame name="photos" src="openingpage.html" />
&lt;/frameset>

&lt;/frameset>

&lt;/html>
</pre>