You have used a table so just add text into the main td cell:-
..........<tr>
<td width="93"><img src="images/side.jpg" width="93"
height="652" /></td>
<td width="931" valign="top" background="Just A
Placeholder">
<p>Text below top banner which will be on the left next to the left column and at the top under the banner</p>
<div align="center">
<blockquote.................
Code downloaded to my PC will be deleted in due course.
WIN7; IE9, Firefox, Opera, Chrome and Safari for Windows; screen resolution usually 1366*768.
Also IE6 on W98 with 800*600 and IE8 on Vista 1440*900.