Using a simple text editor and html and css you can do amazing things. For a really swanky logo/banner use photoshop, fireworks or you favourite image editing tool. Photoshop's best though (that's what me thinks anyway).

CSS will help you style the page the way you want it. CSS can be a very powerful tool in the right hands.

Check these for more info:

http://www.w3schools.com/html/default.asp
http://www.w3schools.com/xhtml/default.asp
http://www.w3schools.com/css/default.asp


Those are your tools but for the site to work well you'll need a good design, check out your favourite sites for inspiration. There are a lot of tutorials online that deal with navigation and the like so google it and you'll come up with a ton (not an actual ton).

Have fun.

I hope that's what you meant.

Pete.

P.S. Handy to check the source code of a site if you like an element of it. Just right-click and view source.