You need any type of graphics program to make one (the graphic part), I suguest PSP but others use PS and other programs. And to code it (if you want to learn) you could just use Notepad, which should come with your computer. Some people use Front Page (which I don't think works that well). I use Edit Pad.
yup wut alex just said, and btw if ur using a tripod website u can slice the layout up in psp and upload it to ur website folders in tripod and it basically code it for u.