#!/usr/local/bin/perl

use CGI;
$co = new CGI;    

print $co->header,

$co->frameset(
    {-rows=>'40%,60%'},

    $co->frame
    ({
        -name=>'top',
        -src=>'http://www.yourserver.com/username/cgi/a.htm'
    }),

    $co->frame
    ({
        -name=>'bottom',
        -src=>'http://www.yourserver.com/username/cgi/b.htm'
    })
);