In general, look at each frame as a unique document capable of sending its own requests and receiving its own responses. You can create a top servlet (say, FrameServlet) that upon invocation creates the frame layout you desire and sets the SRC parameters for the frame tags to be another servlet, a static page or any other legal value for SRC.
---------------------- SAMPLE ----------------------
public void doGet(HttpServletRequest request,
HttpServletResponse response) throws ServletException, IOException {
response.setContentType("text/html");
PrintWriter out = new PrintWriter (response.getWriter());
out.println("");
out.println("Your Title");
// definingthe three rows of Frames for the main page
// top : frm_1
// middle : frm_2
// bottom : frm_3
out.println("");
out.println("");
out.println("");
out.println("");
out.println("");
out.println("");
out.println("");
out.close();
-------------------------- END ------------------------------------------
Where MenuServlet and DummyServlet provide content and behavior for the frames generated by FrameServlet.