community website

Okay this is what I would like I want a website script that allows for various categories and subcategories and be able to add later, room for banners vertical and horizontal. Graphics will need to be included. Here is what it will be used for. I am not good at websites or lingo so I will tell you what I want and you tell me how much and how long. a site that is set up for a town for referal business. People can go on the site and post in a subcategory a review of how their experience with that business was. so I guess a subsubcategory on + or - or just one I don't know. For participating businesses needs to be able to upload a logo to it on admin side only. Also, I was going to do a history page of the town and weather and blogs. If experienced in area Search engine optiminization would be preferable and also want to link to another site and a way that visitors can email me. I hope that is enough info. Any ? PM