If the toolbar offends thee, cut it out.
Excel stores toolbar customization in a file called *.xlb (name and location
vary with versions of excel/windows).
But you can find it via:
close excel
windows start button|find/Search
look for *.xlb
Rename all the ones you find to *.xlbOLD.
Then reopen excel to see if that helped.
If it did, you can dump the *.xlbOLD files and rebuild any customizations at
your leisure.
If it didn't help, you have more detective work to do. (maybe a workbook that
opens when you start excel that has a macro that does mean things...)
You can use some techniques that Chip Pearson shares on his web site:
http://www.cpearson.com/excel/StartupErrors.htm
Essentially, you're going to move stuff out of your XLStart folder and uncheck
everything under Tools|Addins. (But keep track!)
Then one by one, you'll add one back and restart excel to see if that caused the
problem.