Yes, it is possible to get that...
<frameset cols=10%,90% border=1>
<frameset rows=20%,* border=1>
as you can see you start a frame set and have a blank page, from here you chop the screen, and then you continue to divide and subdivide the frames untill you end than frameset </framset>
then you move onto the next frame where you can chop that frame into smaller frames or just give the frame a source page, (unless you are at the end of the framesets and have no more frames to subdivide, in which case you just stop...)
You are (however) much better useing tables for layout as search engine spiders tend not to follow frame links, so your page will be harder to index by search engines