[K Manley]

I'll agree with McCarley that finding a web developer is a great first step. I'm only saying that as someone who has run a website (not fitness) in the past with minimal tech skills and maximum headaches. As a trainer your time is much better spent making money training than muddling through code. Pre-fab templates could get you started, but you're gonna need something unique eventually.
A web developer friend told me a while back that places like designcontest.net (one example, I'm sure there are others) are great places to go for cheap logo and website design. You post what you want and how much you're willing to pay and up and coming web developers will compete for the project. I've heard that sometimes they end up doing stellar work for a fraction of what you would pay elsewhere. Maybe someone else who has more experience with that sort of site could comment about them?
As far as hosting is concerned I can't add much. I do have a free report from 'fitnesswebhosting.com' on web hosting for fitness I could email you. Its obviously promoting their own site but it does have great info regardless. For instance it talks about how 1shoppingcart.com, which many fitness pros use to sell products on their site is $80/month, so if you can find a host with its own SSL built into your monthly plan you'll save a lot. Also the email on some hosts' sites is abysmal, make sure you can set up autresponders with confidence.