If your current balance is in column J, array-enter the following formula
into cell J4 (use <Ctrl <Shift <Enter rather than just <Enter):

=INDEX(J5:J65536,MAX((J5:J65536<"")*ROW(J5:J65536 ))-4)

I'm sure there's a much more elegant way but this should do the job.
--

Vasant



"Bg" wrote in message
...
I built a basic spreadsheet (Excel 2002) the is used for check book
balancing. There will be over 100+ rows and I would like the current
balance
to always show above the "freeze" line(row 5) in cell J4. Is there a
formula
to display this?

TIA
Bg