Windows-Freeze Panes
This will freeze everything above and to the left of the selected cell.
Put your cursor on the line below the rows that have your lables, then select Window from the toolbar, the select Freeze Panes. Now when you scrol your titles will stay at the top. To cancel repeat but select unfreeze panes. JSW
-Your headings are in row 4
-Click on row number '5' to select the entire row
-Click <Window><Freeze Panes>.
-Use your arrows keys to scroll down, you will see your headings 'frozen'.
Do the same for row headings, but click on the letter (i.e."B") of the column to the right of the column that contains your headings.
There may well be a way to do this for both rows and columns at the same time, but I am unaware of it.
If you just select a Cell, and choose Windows-Freeze Panes it will freeze everything above and to the left of the selected cell; both rows and columns. Windows-Unfreeze Panes to reset to normal.