Basically, what is a template.....a set of object frames 
placed in a way that suits most of the requirements of day 
to day office work.

To create a template, u can either develop a variation from 
the existing templates of the Crystal reports Suite or open 
a saved report, , in the new report u r creating, click on 
the template expert and choose template from existing file.
the template, that is the object frames and not the data 
will be copied to the new report u r developing.
even , now u have the liberty to make changes, and save 
them for future use as template!
So u can literally create as many differnt types of 
templates as u like through all the templates already 
available or the reports u created from teh scratch.