There are alot of websites that offer free tutorials in both html and graphics work.
I may not be so good with coding, but i am fairly good with graphics.
Just google around and try to find some tutorials (
www.good-tutorials.com offers over 2000 photoshop tutorials). Or you can do as i started out after trying out some tutorials that worked good.
I went around the net finding some template sites. I tried to recreate them almost exactly, then gave them my own twist.
I kept doing it for some time, until my first website around a year ago.
All you have to do basicly is just look around for people who can help you learn, sites that help you learn yourself and just experiment. That's it.