Paperbacks Novels

What is the best format for writing a novel?
I am trying to write a book, a paperback novel average length maybe 250-300 pages. I’m guessing it would be around 10-12 words per line.
I really have no idea on how to set it up, I just have the story and thats it. What is the best way to do this, The problem I’m having is knowing where to end and begin chapters. I dont have MSWord, I only have notepad, is there a small program you could recommend?
thanks electric blue
How to Write a ‘Darned Good’ Novel
http://secretgeek.net/nonwriter.asp
http://tn.essortment.com/novelwritingti_rsim.htm
http://www.write101.com/dgnovel.htm
http://www.howtobooks.co.uk/leisure/writing/write-novel.asp
http://www.associatedcontent.com/article/2190/eight_tips_to_write_your_novel_faster.html
60’s Sleaze Paperback Novel Cover Art
Classic Books Library