Speaking as someone who wrote his first webpage in 1996 or 1997 - you could follow everyone else's instructions in this thread, and get pretty close. You could also do something "in spirit" - mostly text, CSS to give pleasant margins and colours, that sort of thing. A lot of the sites you'll find on NeoCities today are copying a very specific, garish aesthetic. But websites in the 90s weren't all ugly. Some were beautiful, with complementary colours, all kinds of tricks to get what we get for free in CSS now (spacer gifs, etc). So you might also consider an in-spirit site - one that doesn't look like unicorn vomit, or something scraped out of the depths of the Wayback, but which would very much feel correct if viewed in Netscape 4.