first off you need to go to your server files (c-panel) and set the configuration files permissions:
Warning: I am able to write to the configuration file: /home/pic13687/public_html/baanallc.com/includes/configure.php. This is a potential security risk - please set the right user permissions on this file (read-only, CHMOD 644 or 444 are typical). You may need to use your webhost control panel/file-manager to change the permissions effectively. Contact your webhost for assistance. See this FAQ
2nd, double check to make sure you do have the files in the proper places...including the template folders you needed to create.
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