Hi Lindy.Yes, tables will help tremendously. And when you get to it, if you have the need, there should be no problems merging cells. I do it all the time. The key, as in all other aspects of web design, is to be sure you test constantly in both Netscape and IE as you are building your site.
You could stand to make everything on your page smaller, not only linearly (is that a word?) but in file size as well. It is taking forever to load. You need to optimize/compress your graphics.
It would be wise to include some sort of navigation near the top of your page, and you need to keep navigation consistent throughout your site...same place...same links.
You have a good start. I would recommend giving the suggestions given so far some attention, then resubmitting for another critique.
Hope this has helped.

Sandy
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www.alleghenyweb.com