Frames Question

I don't use frames very often, so possibly this is just a simple question 
and I'm missing the forest for the trees.

 From a Non-Framed page ....
	directory.html

I will have links to many different online resources.

When the user clicks to see these resources,  I'd like a "banner" to frame 
the page at the top, allowing the visitor to easily get back to my 
non-framed directory page, and not lose track of where they originally came 
from.

As I understand Frames, in my directory.html page I need to link to a  page
	resourceFrame.html

that contains the frameset statements, and a link to
	banner.html (my top banner)

and a link to the actual resource page
	http://....resourceURL.html (the resource page from another site).

Do I have to create a different resourceFrame.html for each 
different 	http://....resourceURL.html?

Or, is there someway to pass the URL to a "generic" resourceFrame.html, 
that then displays my banner and the selected resource page?

(I'm currently doing this via a cgi scipt, but looking for a "pure" html 
technique)

Thanks in Advance for all suggestions

david

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