I'm not a designer in any way, I write code, however sometimes I find myself needing to create a website without the help of a designer. In those cases there are a few websites that I find extremely useful, if you know of any more let me know.
Designs
www.oswd.org
www.opendesigns.org
www.openwebdesign.org/browse.php
www.freewebsitetemplates.com
Stock Photos
www.sxc.hu