mantronix, Скрипт наверно нужно вынести за <frameset>
<?php
session_start();
if(!isset($_SESSION***91;'userid'***93;)){
echo "<meta http-equiv=refresh content=0;url=\"../index.php?lan=3\">";
exit;
}
?>
<html>
<meta name="Author" content="Gaby_chen">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<title>Sim Bank Scheduler Server</title>
</head>
<frameset Id="frame" framespacing="0" border="false" cols="160,*" frameborder="1" scrolling="yes">
<frame name="left" scrolling="auto" marginwIdth="0" marginheight="0" src="left.php">
<frameset framespacing="0" border="false" rows="35,*" frameborder="0" scrolling="yes">
<frame name="top1" scrolling="no" src="http://javascript.ru/forum/">
<frame name="main" scrolling="auto" src="main.php" onload="window.top.frames***91;1***93;.location.reload()">
</frameset>
<script>
setInterval("top1.location.reload()",1000);
</script>
</frameset><noframes></noframes>
</html>