For all the design challenged programmers out there, here are some of the existing templates sites you can leverage.

LiquidTemplates.net

Have a HUGE collection of beautifully made templates, but cost around $60 each.

openWebDesign.org

Have a fairly large collection, but quality varies greatly, and design tends to be quite simple. Most of them are designed to be used as blog template.

oswd.org

Very similar to openwebdesign.org, both in style and quality.