Welcome to WebmasterWorld! Sounds like your pointing to the top frame instead of the frame page itself.
create a new page, let's call it frames.html:
<frameset rows="100,*">
<frame name="banner" scrolling="no" noresize target="contents" src="contents.html">
<frameset cols="120,*">
<frame name="contents" target="main" src="leftside.html">
<frame name="main" src="main.html">
</frameset>
<noframes>
<body>
<p>This page uses frames, but your browser doesn't support them.</p>
</body>
</noframes>
</frameset>
Then have the links on your homepage point to the frames page. Then the frames page pulls in each of your content pages.
Hope that helps. Good luck!