Thank you Julie for your prompt response. I just went over to Wordpress.com and .org to check out their themes. I'm not really familiar with Wordpress, but the templates there look to be for blogs, not websites (correct me if I'm wrong).
For example, I don't need a column for 'Archives', or a blogroll, but need menus for Home, About Us, Services, Testimonials and Contact Us.
How can I learn to customize these templates for a website without spending money? I'm a quick learner on a tight budget!