I use frames alot and find that the best way in doing what you want to do is to create a page with only two frames split vertically. The left frame will be the one with the hovers. And the right will be a page with two frames. First create a page with two frames split horizontal. The top will be your banner and the bottom will be your body. Save. For example I call it "Products"
Now create a page with vertical split. The left frame select your page that you want that has the hover buttons on it. The right side select the page that you two frames in it, "products".
So in short you have three frames but really only two frames on that page.
So with your hover button your will link it to the two frame page using the right frame as the target.
Here is a website that I have done that I think is the look that you are after http://www.nda.eng.co.nz
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Cheers
Roz
From the frying pan into the fire!!!!