Like I said in the first sentence, use Server-Side Includes.
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>Your Site -- Page Name</title>
<!--this is a php server-side include statement-->
<?php require_once('Includes/head.html'); ?>
</head>
<body>
<p> Where head.html and footer.html are seperate include files with relevant code in them.</p>
<!--this is a php server-side include statement-->
<?php require_once('Includes/footer.html'); ?>
</body>
</html>
Nancy O.