If you are using fvwm, the directory /usr/lib/X11/fvwm/ (or /usr/X11/lib/X11/fvwm/) has some good example config files in it, as well.
[Folks: I don't know anything about fvwm, although I might be able to grok something from the example config files. Then again, so could the reader :-). Also, given the decent but small system.twmrc in the above-mentioned directory, I wonder if it's worth it for me to provide that lengthy example with my own .twmrc. It's in for now, but I don't know whether we want to leave it there or not. -Karl]