PHP is an extremely powerful thing to know.
This will get you started:
Create three files: index.php, header.php and footer.php
CODE
In index.php put:
<html>
<head>
<title>My Page!</title>
</head>
<body>
<? include 'header.php'; ?>
<? include 'footer.php'; ?>
</body>
</html>
CODE
In header.php put:
<a href="http://google.com">GOOGLE!</a>
<a href="http://hostony.com">HOSTONY!</a>
<a href="http://shoutdrive.com">ShoutDRIVE Radio!</a>
CODE
In footer.php put:
This is my footer. Hello!
You will see that the code in the index.php file, <? include 'whatever.php'; ?> will include all of the contents from the files specified. You can put your content in between the two includes in the index.php file, duplicate the file into different ones like contact.php, etc.
Cheers, bud! Welcome to the world of PHP:
PHP.net ManualPHP Beginners Guide