What version of Excel are you running?
Personal.xls has not been used to create custom toolbars/menus since the
introduction of Excel 97.
Although you may have code in Personal.xls that builds the Toolbar when you open
Excel.
If that's not the case then read on.
Toolbar Customizations are now stored in your Excelxx.xlb file.
Try Tools>Customize>Toolbars.
Select the one you don't want and delete it.
From another post on this subject....................
If the workbook in question was constructed using XL95 which had the "Menu
Editor" feature the Menu Items will continue to reappear even though there are
no Macros associated with them. This feature(Menu Editor)was dumped with XL97
and up.
Jim Rech has written RemoveMenu.XLA which gets rid of these. Can be found on
Stephen Bullen's site.
http://www.oaltd.co.uk/MVP/Default.htm
Gord Dibben MS Excel MVP