I have already found the issue; I forgot to install Service Pack 1 for Office; that fixed it.
When I start Excel, it gives me a runtime error unless I start in Safe Mode.  Microsoft Visual C++ Runtime library.  Office/10/Excel.exe  Abnormal program termination.  I just put in a new hard drive, formatted and reloaded software and the 1st time I run Excel this happens.  What can I do to fix this? I already fixed this by installing Office XP SP1.
Windows 2002 XP Excel Issue