Code:
<html>
<head>
<title>Campion Academy Home Page</title>
<frameset>
<frameset rows="160,*">
<!-- Campion Logo -->
<frame src="frame.htm">
</frames>
</html>

</frames>?! And that markup is awful. Please, use a validator! Personally, I'm surprised that page even works.
To answer your question: firstly, sort your markup out (hint: fix errors from the top down); then, give the target frame a name attribute, like so:
Code:
<html>
<head>
<title>Campion Academy Home Page</title>
<frameset rows="160,*">
<!-- Campion Logo -->
<frame src="frame.htm">
<frame src="otherframe.html" name="main">
</frameset>
</html>
Then, in the links in the page displayed in the top frame, use target="name" like so:
Code:
<a href="page3.html" target="main">Page Three</a>
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