Here's an update on the Snow Leopard crashes while using Excel 2004. I continued to follow the suggestions in this forum and things went well for a few days. Then, I started getting frequent crashes while working with relatively small files as well as the large ones.
At that point, I purchased MS Office 2008 Business Edition from Amazon. I got that edition to obtain the access to Exchange that I need for email to the home office. Since installing Office 2008 two days ago, I have had no crashes at all. If I do have them, I'll report them here, but consider no news to be good news. Again, thanks for all the help on this struggle. It appears that I finally have my "fine tuned Mac" back after a couple of months of exhausting hassle. By upgrading my RAM to 4Gb and purchasing Office 2008, I seem to have eliminated my sources of trouble. Otherwise, Snow Leopard has been a real delight. I love its speed. Things just seem to work. I think Apple accomplished its goals of a slimmer, quicker, less problematic OS X. Except for the defective graphics card that Apple replaced, my problems were inadvertently self inflicted by not enough RAM and an old application.