You could create a workbook template named book.xlt and store it in your XLStart
folder. You can name the sheets whatever you want (and do other stuff, too --
print headers/footers/margins).
In xl2003, a new workbook will be created based on this workbook when you click
on the New Icon on the standard toolbar.
You could also create another template named sheet.xlt. Any new worksheet you
add to an existing workbook will inherit its setting.