Why would you want to use frames on a site targeted for a mobile device? Frames would totally disrupt the panning, zooming, and scrolling behavior of the site and it wouldn't be intuitive to the user how to interact with your application/site.
I would recommend using some type of server-side templating engine (Apache Tiles for Java EE applications as an example) which allows you to break up your content but still present as a single page to the user instead of using frames.
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