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But remember, meta tags aren't the main tool for search engine rank - there's plenty of highly ranked websites in competitive areas with no meats at all.
If the search engine has the ability to index frames (and many do today) they'll grab them as long as there are links pointing to the page.
The first is to make sure that you have a <noframes> alternative, with links to the main sections on your site. This will aid search engines in indexing your site, and it will also mean that your entry in SE results listings will say something more useful than "This site uses frames" [google.com] (so include at least a description of your site). It will also make life a tad easier for text-only browsers.