How about assigning "overflow:scroll" to the 2nd <div> and making its content area smaller? Something like this:
Code:
<html>
<head>
<style type="text/css">
#topframe {
width: 100%;
height: 200px;
}
#content {
height: 300px;
overflow: scroll;
}
</style>
</head>
<body>
<div id="topframe">
Nav links, header images, etc...........
</div>
<div id="content">
<h3>Welcome</h3>
<p>Once this content area grows to more than 300 pixels in height, the scrollbars should appear.</p>
</div>
</body>
Hope this helps!
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