Frames in Rows and Columns:

 Here is a 
  two column frameset that also has two rows:
  <FRAMESET COLS="a,b" ROWS="a,b">
  <FRAME name="name" SRC="file.html">
  <FRAME name="name" SRC="file.html">
  <FRAME name="name" SRC="file.html"> 
  
  <FRAME 
  name="name" SRC="file.html"> 
  </FRAMESET>
  
   
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"> 
<html>
  <head>
  <title>Pony Pony Pony</title>
  <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
  </head>
  <FRAMESET COLS="50,50" ROWS="50,"50">
  <FRAME name="topleft" SRC="logo1.html">
  <FRAME name="topright" SRC="logo2b.html">
  <FRAME name="bottomleft" SRC="logo3.html"> 
  
  <FRAME 
  name="bottomright" SRC="logo4.html"> 
  </FRAMESET>
  </html>