You would still need someone to design it, Steph. A programmer needs something to program--they can't just do it out of thin air. Most programmers in my experience do not have enough of a working knowledge of Photoshop to create decent comps. I'm actually dealing with that issue at work right now. My programmer is a genius at what he does, but if I ask him to make even the tiniest adjustment to the design, he can't do it. I have to adjust it myself, and send the updated file to him to code.
What happens is that I will create a file in Photoshop with the design. The design includes everything: The backgrounds, the form fields, the navigation, the buttons, the mouseover states, etc. Every single thing you see on a website is designed first. The comp shows how everything should look, and how it should be laid out, i.e. this button should be 90px from the edge main content area, the headline should be 10px from the top, etc.
Then I send the file to our web developer, who "slices" each element of the comp, and programs it into a functional website. It's hard for me to explain without an example, but hopefully that gives some idea.
The ones that can design and code will naturally charge more.
It's also not just about how the website looks, but how it is organized and how it functions. For example, what is the workflow for the checkout process (assuming people can make purchases)? Is there a biography? Where on the website does it live? Is there a blog? How would that be incorporated? What should be in the top level navigation? These are just examples, of course, but you get my drift.
You'll also need a good CMS (content management system) in place since you'll be updating the website quite regularly and don't want to futz with the code. That will need to be coded separately.
I would start by just posting a help wanted ad on Craigslist explaining what you need. Also, get in touch with the career services center at nearby colleges. When I was a student a lot of people I knew did small freelance jobs like this to make a little extra money, and it was way cheaper for the person who needed the services than hiring a professional.