Okay, let me guess, you made that in Paint?
Paint is NOT a good paint program, and I'm afraid you're dead if you want to make an image-based layout in it. If you don't have a better paint program, you can make a neat, fast-loading layout just using solid CSS colors. There is nothing wrong with that until you either invest in something better or get a better free program - I'm told that
The GIMP is good, and it's free, if you want to try it out. You'll probably not be able to make anything very good in it right from the start, though, so I really suggest that you use solid colors at the start.
Now, for the color choice, it's not a good idea to use any of the "default Paint colors", as in the ones that appear at the bottom of the screen in Paint. You should use colors that are easy on the eyes - generally you'll be better off with either a light color scheme with dark text or a dark color scheme with light text than any bright colors like that kind of red and blue - and generally you should only use colors that look good together. That means no combining red and blue. Pick
one color, like green or blue or whatever, and then use different variations of that color, some dark ones, some light ones, some brighter ones and some duller ones... Sure, sometimes it can work to use, say, blue, and then include some green somewhere, but then you should usually be using black or white to make the blue and green more separated. (Remember that black and white go with almost anything.)
As for your banner - it's puzzled me for a long time why newbie webmasters always place pictures on a non-white background but aren't bothered by all those horrible white dots splattered around the whole outline and use it anyway. I know that using the blend mode Multiply on a layer with your sketch would entirely remove those if you were to upgrade to a better paint program. Then you could also color in the picture with the brush tool on a layer below, and it would not disturb the sketch.
Overall, I don't think you should use that layout. It will turn many people off your site.