Now, there is another way I know of. Though, it's a tad more tricky... you just have one layout file...
<html>
<head>
<title>Blue Bar</title>
</head>
<body>
<table width="100%">
<tr><td colspan="3"><center>BANNER</center></td></tr>
<tr>
<td width="15%">Left column stuff.</td>
<td width="70%"><? print("$content") ?></td>
<td width="15%">Right column stuff.</td>
</tr>
<tr><Td>Footer</td></tr>
</table>
Save that as layout.php...
Then for each content page, you have to do it like this...
<html>
<title>Blue Bar</title>
<body>
<?
$content = "Whatever you want in the content. You can [b]not[/b] use double quotes in here. For changing fonts, etc, you have to use single quotes like... <font color='blue'>Blue font</font>" ;
//Make sure you add that ending quote and the ";"!!!
include("layout1.php");
?>
</body>
</html>
Then save that as whatever. That was, when you go to yousite.com/content.php, it will read what the variable is (you defined the $content variable by doing the $content = "X") and then print it after it loads the layout. It doesn't work if you include the layout first, as it prints it without knowing what $content is, so it leaves a blank space.