You can do this provided that you have only two security groups needed - you as owner/administrator and a single group for all users.

If you are using Access 97, follow the steps outlined on this page, except for the 'Not Done Yet' section.  Do not create any new groups.  Instead assign the permissions you want your users to have to the built-in Users Group.  When you're done, just ship the database without the workgroup file.  Users will use their standard system.mdw workgroup and be restricted by the permissions you put on the Users Group.  If you need to make design changes, log in using the workgroup you used to secure the database.

If you are using 2002/2003, then follow the steps outlined on this page.  The wizard offers you the ability to assign permissions to the Users Group (step 24).  Do not create any new groups, or assign permissions to the groups offered by the wizard.

Note that if you have any audit procedure in your database, you can't rely on the CurrentUser() function, since these users will all be 'Admin'.  You can instead use the function at www.mvps.org/access to retrieve the user's network login name and use that in your audit trail.