I'm pretty good with HTML and CSS and I have my own website. (Not a free one though) I know of this site that reviews free hosting. This is a link. And I have tried a few. I would recommend to use siteadvisor to see if the reviewed websites are safe. Though the code for the chatroom, I would have to find somewhere else.
Edit: We could try using this shoutbox as a chatroom and scale the width to 480. I use this shoutbox for my website, and I say it works pretty good. Here's the link http://www.shoutmix.com/main/
Sorry guys if I don't share your enthusiasm. The shoutbox/chat will needs to be moderated as there are all sorts of users of this radio young and not so young. I just don't have time for it. You guys want to create a chat room, be my guest, you can even post the link on the forums, but I won't be endorsing it.
For anyone else who wants to chat with other forum members there is MSN, Facebook, Twitter, Myspace, EU and US Playstation forums, all mobile and available from radio menu.