I've not used WS_FTP (I use Cute FTP) but looking at the instructions kat gave a link to, it looks to be straight forward.If the problem with you are having is with getting a connection, you proabably need to check your settings with your ISP. Many ISPs provide instructions on how to set up FTP on thier web sites.
Another one, with connections: one of my ISPs required a "Request for WebSpace" form to be completed before I was able to use FTP - again, your ISP will have these details.
The index.html page may or may not be a requirement. I think that all my ISPs use this as a default page but do not insist on its presence. Yet again, this is information your ISP will have.
Jon