I guess there's so many ways. Personally...
I was like you 10 years ago. You know what I did, I downloaded websites that I found attractive just so I can study what goes into the making of a web page. And I'd check the file folders....
OK there were the images ( I can do that)..... For Background images , one small graphic that needs to be tiled to create a bigger image (peice of cake) and there were the codes, scripts and syntaxes (not good, even til today I'm not that good with it.
)
As a PS user, you have the tools to create the webpage images, even the layout. What you need is more tools.... FLASH, Dreamweaver... to put all these elements together.
There are books and websites dedicated to the HOW TO of building a website. Visit them. I'm sure there are other learned members in here who would be willing to coach you.