do you mean an actual jpg? Or do you mean an html file? Did you just click on it and it opened up as the site? If so, then open it up in notepad and adapt it to what words you want to use. I have used templates on a couple of sites but I've done it simply by replacing their images with mine - and changing the file paths to them and changing the words, headers etc in the html file - then uploading the lot. I presume you can load up the html file into front page and alter directly from there though.