Recently someone who I know only as 'yvoschaap' created a very, very useful tool. With his wordpress theme generator, which can be found at the link below, making your own wordpress theme can be done in 15 minutes. Even better, you don't have to know any PHP, HTML, CSS or anything for that matter! Pretty great! goodforyourwallet.com/
that actually isn't too bad of a program...but if I would think about using a theme from it I'd have to supplement the design with a lot of my own images for bgs and stuff. I don't think a program will ever really be able to replace a good designer for awhile.