// There is no top banner, but it does use the footer
topBannerView.frame = CGRectMake(0, 0, 320, 0);
mainView.frame = CGRectMake(0, 0, 320, 400);
footerView.frame = CGRectMake(0, 400, 320, 60);

if(!topBannerView.hidden)
{
  topBannerHeight = topBannerView.bounds.size.height; //syntax here might be a little off, can't test code right now, but I think it's close to this
}
else
{
  topBannerHeight = 0;
}

topBannerView.frame = CGRectMake(0, 0, 320, topBannerHeight);
mainView.frame = CGRectMake(0, topBannerHeight, 320, mainViewHeight);
footerView.frame = CGRectMake(0, (mainViewHeight+topBannerHeight), 320, footerViewHeight);