Barb
Excel does not create *.bak files..........backups are *.xlk files so don't
know how personal.bak would be created.
A typical installation of Office will have two XLSTART folders.
C:\Documents and Settings\username\Application Data\Microsoft\Excel\XLSTART
C:\Program Files\Microsoft Office\OFFICE11\XLSTART
Have you checked the correct one of these?
Also check the contents of Tools>Options>General "at start up, open all
files in"
It is best to leave this dialog box empty.
If indeed you have a personal.xlk being created, you can open personal.xls
and check its file save properties and uncheck the "always create a backup"
before re-saving.
Gord Dibben MS Excel MVP