Using apache SSI includes.
The server won't load any of the includes unless it's a .shtml file.
Code:
<div id="container">
<!--#include virtual="/includes/banner.shtml"-->
<!--#include virtual="/includes/menu.shtml"-->
If it's saved as a .html file it doesn't parse the comments.
I tried saving the template as a .shtml file to no avail. Maybe I was just getting tired last nite. <shrug>