Excel 2003

I have created a spreadsheet and protected the first row (merged cells)
after unlocking, selecting the row, locking and protecting. I have allowed
all options in the protect sheet block except Select Locked Cells. I cannot
insert a column with the top row locked, or filter, or merge the unprotected
cells. I can insert a row using the Insert Row command, but not using the
insert icon. I can delete a row using the delete command, but not using the
delete icon.

Any ideas? I have a name in the top row that I want to protect so other
branches of the company can't use the template.

TIA,
Carole O