frame nameupper
file namefnamea.htm
target nameupper

This is the first frame.

The file fname1.htm defined the frameset and two rows=50% each. It also named the two subordinate frames "c" (this one) and "d" (below).

Note: I had to populate both frames when they were defined (fnamea.htm & fnameb.htm). When I did not do this, the unpopulated frames, even though they were named, were not recognized. Take a look at the file "fname1.htm" and you will see I had to add 'src="fname?.htm"' to the frame definition. Once they are populated, they can be targetted.