There are probably many ways to do it, but I have done it this way with
good success.
1 - Download your bank data to a text file in column the format you
want and save it as Scotiabank.txt
2 - Open an Excel workbook and select Data, Import External Data,
Import and find the Scotiabank.txt file
3 - Select A2 as your import cell (this will allow you to use row 1 as
a header row for column descriptions.
4 - Insert your column headings and format the data as appropriate
(colors, date etc.)
5 - Save the file with an appropriate name (like Scotiabank
1.11.07.xls)
6 - The next time you download Scotiabank data, save it with the exact
same name (Scotiabank.txt.
7 - Open Scotiabank 1.11.07 and select Data, Refresh data - the new
data will automatically be updated.
8 - Save this file as Scotiabank 1.12.07 - this will keep an audit
trail of your data.

I hope this is what you were looking for.

Glen