How do I make a three level nav bar?

[Douglas Wagner]

Hello:
I've read what I can find on Nav Bars but have not found how to produce 
a multi level index.
Do I have to write something this myself?

This is what I'd like to implement. All items would be links.

Heading 1
	Heading 1.1
		Item 1
		Item 2
	Heading 1.2
		Item 1
		Item 2
Heading 2
	etc


DW