Here the file left.htm is in a frame named leftFrame, main.htm is in a frame named mainFrame.
<html>
<head>
<title>My Frameset</title>
</head>

<frameset cols="80,*" frameborder="NO" border="0" framespacing="0">
     <frame name="leftFrame" scrolling="NO" noresize src="left.htm">
     <frame name="mainFrame" src="main.htm">

</frameset>
<noframes><body bgcolor="#FFFFFF">

</body></noframes>
</html>


top.htm is in a frame named topFrame and main.htm is in a frame named mainFrame
<html>
<head>
<title>Another Frameset</title>
</head>

<frameset rows="80,*" frameborder="NO" border="0" framespacing="0">
     <frame name="topFrame" scrolling="NO" noresize src="top.htm" >
     <frame name="mainFrame" src="main.htm">

</frameset>
<noframes><body bgcolor="#FFFFFF">

</body></noframes>
</html>


This one is a little more complicated. Notice how the code uses nested framesets to descibe this set up.
<html>
<head>
<title>3 frame frameset</title>
</head>

<frameset rows="*" cols="172,*" frameborder="NO" border="0" framespacing="0">
     <frame name="leftFrame" scrolling="NO" noresize src="left.htm">

<frameset rows="141,*" frameborder="NO" border="0" framespacing="0" cols="*">
     <frame name="topFrame" noresize scrolling="NO" src="top.htm">
     <frame name="mainFrame" src="main.htm">

</frameset>
</frameset>
<noframes><body bgcolor="#FFFFFF">

</body></noframes>
</html>