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First make sure that you are accessing your secure page via HTTPS. The padlock will not display if you use non-secure HTTP.
If you are using frames, they usually reside in a non-secure http directory on your server. When an SSL page, with non-secure frames, is accessed, you will not see a padlock, even though the page is encrypted and secure (it is a bug in the browsers). You can check the 'page information', or page properties' for details about the security of that page. If you want the padlock displayed on your secure page, you can decide not to use frames. Or, source the frame from a secure directory on the server.