Groundupwebdesigns.com offers free photoshop website templates,and logos. Great for new and experienced users alike.

By downloading a template from Groundupwebdesigns.com you agree to the following Terms of Use:
Our web templates may be used for your own and/or your clients' websites, but you may not sell/offer for free our templates in any sort of collection, such as distributing to a third party via CD, diskette, or letting others to download off your websites etc. A Link back to www.groundupwebdesigns.com is appreciated.
Please read the (readme included with the templates)

http://www.groundupwebdesigns.com