This template is called "Easy" and it includes an extra top blank banner or header. Also with "onMouseover" link effects, scrolling text message in a box, time and date on page, and customized scrollbar (IE).
Just add your text, images and other contents that you like and you'll be up and running on the Web quickly. As an added bonus, you can request for a FREE personalized banner for your site!
Other colors are also available at Gracie's Dezigns:
* White with Green top header or banner
* White with Orange top header or banner