Well, in that case, I suggest...
http://www.psd2html.com/
You're going to spend more then $100 or a lot of time learning and doing yourself. Here's the next best thing. Draw up your design in Photoshop, exactly how you want it, and they'll do all the XHTML for it.
There's a reason WordPress is so popular right now. It's quick, easy, you can get very creative, and most of all, it's a breeze to maintain and update a site with little knowhow.