Here is an example of someone who has created a web site, but it is fairly awful.
http://www.jazzwestmidlands.co.uk/
No doubt the site contains lots of useful information, but as you scroll down look at the awful colours, the awful fonts, the flashing graphics.
This is EXACTLY how not to design a web site, certainly one you may want as a business.
Now look at this site, as an example.
http://www.adobe.com/
Subtle colours, lovely graphics, nice fonts, easy on the eye.
Notice how the important info is right in the centre, with white areas either side.
So compare the two sites, which one would you do business with ?
So as I said above, you can have all the tools in the world, but without the web design skills it is unlikely to succeed.