You either saved it as read-only through File>Save As>Tools>General Options
Or more likely this is the problem........
Excel stores in Windows\Temp(win98) folder a copy(s) of any file that is open.
Sometimes this *.tmp file is not deleted from the Temp folder when you close
out Excel(maybe a crash of Excel?) or the file, so Excel thinks it is still
open and in use.
You can try a re-boot and see if that clears it up. If not, after a re-boot,
clear out your Windows\Temp folder.
If using WinXP your Temp folder would be under user.......
Documents and Settings\User\Local Settings\Temp
If on a network, re-booting the server may be the only solution other than
copying the data to a new workbook.
Gord Dibben Excel MVP
I was typing this doc and for some reason it got saved as read only.
Gord Dibben MS Excel MVP