I have been dabbling in doing my own website lately and came across this site where you can buy cheap stock website templates which you can modify to suit your needs.  Or you can pick up some web page elements for a few dollars. The site has 5 market places

If you are looking for something in particular click on the links at the bottom of the page or  go to files on the left and search a category.

 At the moment they are giving away one item free from each market place every month. This month there is a free photo gallery, a free web site template. a free customisable video introduction, some buttons and some audio jingles royalty free

I think you may have to create an account to download. They don't send much mail, not even once a month. Some of the templates a so creative, A lot of the developers seem to be uni students that are making some cash by using their creativity.  Also as a point of interest, ( because there are quite a lot of cool flash web sites there and I think not many people know) google can now search flash websites Link to google web blog. 

So if you are interested Click on the link above and take a look around. The free link is on the left of the page.