Question re frames and links

Hi all

I am currently trying to learn about html and are playing with the frames
option. I have managed to set up a page (page1.htm) which consists of two
horizontal frames. The top one 90% (image1.htm) contains a very wide image that
I can now scroll left and right with scroll bar/ buttons. The lower frame 10%
(text1.htm) contains the text related to the image and remains static (On a
simple page it scrolled off as the picture moved). But this lower frame
(text1.htm) also has two links for previous and next. Unfortunately these dont
work as when I link them to the "next page".htm or the "previous page".htm the
target only loads into the lower frame and the result is a page within a page
within a page.... How can I set the links to load both a new image and a new
text in their respective frames on a fresh page? I don't want to have a
permanent third vertical frame with the links listed. TIA

Phil