AN MLG ACR FLC DIALS IN THE WRONG FREQ FOR TWR WHILE THE CAPT IS TAXIING; HEAD DOWN; AND THEY CROSS THE HOLD SHORT LINE FOR AN ACTIVE RWY IN THE CONFUSION.

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WHILE TAXIING ON RWY 28 APCH END TO HOLD SHORT OF RWY 23L; MY FO SWITCHED TO TWR FREQ 120.92 INSTEAD OF 120.9; MISTAKE #1. I; THE CAPT DID NOT NOTICE. WHILE RECHKING A CHKLIST ITEM AND PROPER RESPONSE; I BURIED MY HEAD DOWN INTO THE CHKLIST; MISTAKE #2. THE FO CALLED TO MY ATTN THE FACT I HAD CROSSED A HOLD LINE ON RWY 28; FOR RWY 23L; MISTAKE #3. THE RADIO WAS QUIET AND WE DISCOVERED THE FREQ MISPLACED 1 DIGIT. COMING UP ON CORRECT FREQ THE TWR CHIDED US FOR XING THE HOLD LINE. ANOTHER ACR WAS LNDG! WE WERE THEN CLRED TO CROSS RWY 23L AND TKOF ON RWY 23R. THE MAIN PROB WAS MY HEAD WAS DOWN REVIEWING A CHALLENGE AND RESPONSE ITEM ON OUR COMPANY CHKLIST. 2 WKS AGO I HAD BEEN TOLD BY A COMPANY CHK AIRMAN THAT MY RESPONSE WAS WRONG ON AN APCH ITEM. THE SAME ITEM WAS ON THE 'BEFORE TKOF' CHKLIST. THIS INTERNAL DISCREPANCY LED TO MY ATTN BEING DIVERTED AND XING THE HOLD LINE. ONE OTHER POINT. I HAVE NOTICED IN THE PAST THAT THE AIRPLANE FLOW BY GND CTL AT CLE IS TO PUT YOU ON THE RWY 28 AT TXWY U; HOLD SHORT OF TXWY J; OR THE HOLD SHORT LINE OF RWY 23L PAINTED ON RWY 28; CONTACT TWR THERE. THIS ALL SEEMED LIKE A 'BASTARDIZED' FLOW WITH CONFUSING MARKINGS ON RWY 28. I PERSONALLY THINK THIS IS NOT GOOD AND WILL LEAD TO FURTHER TROUBLE. GRANTED; I WAS AT FAULT WITH MY HEAD DOWN; BUT IT IS THESE CONFUSING 'COFFIN CORNERS' WHERE 'MURPHEE' LIVES. BEWARE! IF I FIND THIS PROC 'OUT OF THE NORM' WITH NEARLY 12000 HRS; THERE ARE OTHERS. THAT INTXN OF RWY 28; RWY 23L; TXWY J; AND A HOLD LINE ON THE RWY IS ASKING FOR TROUBLE.