The best program for web design, whether you know HTML and CSS or not, is probably Adobe Dreamweaver. There are 3 ways you can look at and build websites with dreamweaver...you can look in design view which is purely graphical, you can do the split view which you can see the code and the design, or you can just look at the pure code. There is a bit of a learning curve, but once you get the hang of it its easy. There are buttons for fonts and to insert pictures and other elements. There is also a graphic interface to add CSS properties to elements of your site. It will even add some basic javascript for you like mouse over events and such.
Its pretty pricey, but its a powerful tool. Plus, it will manange your site from your local folder to your server.