If you are using 1.5, all you need to do (in most cases) is go to the Write Pages part of your dashboard & write away. If you're using the permalink structure, after you create the page you'll have to update the permalinks, but it will be worth it. If you want a template for it, copy the index.php in your theme directory to pages.php and gut "The Loop." There are details in the codex, but it appears to be down right now.
My Loop looks like this in pages.php:
<?php if (have_posts()) : while (have_posts()) : the_post();?>
<h2 id="post-<?php the_ID(); ?>"><?php the_title();?></h2>
<?php the_content('<p class="serif">Read the rest of this page
<?php endwhile; endif; ?>
In most cases, this would be better than creating pages in your root directory, as they would be updated with your themes.