The main thing, as he says above, you MUST have a index.html , this is what the browsers look for and is the first page they go to, if no specific file or imagefile is in the URL, IE: http://anysite.com when someone goes to that url , they automaticly get the "index.html", it may have a "title" that is different,
I would think "notepad" would be better to use to write your html, I am not sure that MS WORD will work,very well, but then I do not use windows,nor any Microsoft products, I use linux, or FreeDos, and normal text editors,
Here is a forum that has some pretty good tutorials,and even some online "classes" : http://forums.about.com/n/pfx/forum.aspx?folderId=3&listMode=13&nav=messages&webtag=ab-webdesign
For images the basic html is
however there are variations, that can size,center,etc,..also if the image is in a sub directory (folder) it would need to have the complete path ,IE:
I enjoy useing html very much, and use it locally on my computer as well as the internet and websites, it is realtively basic and easy to use once you get remembering some of the markup tags,etc. let us now how it turns out, hope this helps.
Edited, now a days, one can use PHP scripts, in which case the index is index.php, especially in forums, and stuff like that, but I recomend getting familiar with html first, the aboce link also has tutorials on PHP. Css, and more.