It's just one big plain text file, with markers in the Bible text to divide it into 365 sections.
I looked all over Google for something like this, and not finding such a thing, made one myself. I may as well share it in case anyone else is looking for the same thing! This way it's easy load into Mobipocket or another e-book reader. There's no rearranging (as in the One-Year Bible).
I'm so glad for MS Word macros!!! I used macros to strip out all the verse markers, leaving only chapter numbers, then reformat everything to flow smoothly. I used macros to divide the whole text into chunks then I went through by hand and moved the markers to the nearest suitable beginning of a chapter. The only tiresome part was adding the day labels-- and then doing it over starting from July, when I'd accidentally made a "June 31" and it didn't work out right at the end :-) But I only had to think about trying to do this in, say, the year 1200, to get over that kind of ingratitude quickly!!
Bible_Daily.doc MS Word format
Bible_Daily.txt Plain text
Bible_American_mingled_with_Psalms MS Word format
The cool thing about that version is that it uses Jehovah as God's name instead of "the LORD"!