Because of the use of CSS and Xhtml in place of tables, you will find this template incredibly easy to modify. To help you out even more, the Css and Xhtml is clearly labeled with comments throughout.
Its July, so I chose a light summer colour scheme with greens and blues. The header is off of the stock x-change, and is not included in the zip file, otherwise it would be over 100kb. Instead I've hosted it externally. You will probably want to use your own header, but if you really like this one it can be found here. If you need any help at all with this template, don't hesitate to contact me through OSWD, or email - kmcannon [at] telus [dot] net.
This template is very image-friendly, and through the use of classes, you can have your images floating in either side of the text. The images are controlled externally with CSS. You can also have images as links, like the firefox logo in the corner. And, again through CSS, you can have mouseover effects. If you're using firefox, put your cursor over the logo. But for some reason IE doesn't like image rollover effects. Its not that big of a deal.