Files can be locked when they are set to be checked in or out (see article http://kb2.adobe.com/cps/188/tn_18857.html) and that is usually only when putting or retrieving them & when working on the server side. You only mention viewing the local copies of files, so this sounds more like a rights issue in WIndows. (If so, see this article http://forums.adobe.com/thread/416038)
Thank you for your reply, but http://forums.adobe.com/thread/416038 did not offer any help.
I did not check in or check out any files, so the other link did not relate. I am only working on my local machine, Vista Home Premium; I don't even have the FTP setup yet for this site. Everything is being tested locally.
Dreamweaver is new to me; I have one site live using it right now (a single page site) and it all went very well; I was rather excited about redesigning my other FrontPage sites, until I lost my template (index.html), twice. I used my own CSS design for my live, one page site, and it worked like a charm.
I mention the CSS because while attempting to find a reason and resolution, I am being led to believe it may be a CSS/HTML template, taken from Dreamweaver, which is causing the problem.
This site: http://www.ipvac.com/kb/entry/146/ suggested that I delete the "users" Dreamweaver cache, which I've done. I also plan to use my own CSS design, rather than one of the built-in templates.
I haven't attempted to rebuild the lost index.html yet; I was hoping someone would know the reason and resolution, so I wouldn't become overly exasperated with something I have waited so long to use ... Dreamweaver!
Thank you again.