Turn off automatic "read-only"

[Susan B.]

I'm using Word 2004 for Mac OSX. My coworker & I work on documents
stored on a server. When I make & save changes to documents, the docs are
being automatically saved as "read-only." I say automatically because I'm
not intentionally saving them that way and can't find any setting that seems
to be doing it for me. The Read-Only Recommended box isn't checked
under Security Preferences. Any advice?

Thanks!
Susan B.