I just took a look at the links submitted by Knot4Prophet and on the htmlbible.com page is listed a few MS Access public domain databases for 3 different bible translations, for download. It's provided for anyone that wants to write their own software.
It's a place to start.
-app103
I checked out the Access DB. Very nice. Effectively, PK by book #, book name, chapter and verse. (Yes - messy, but it works.) That would be very good for searching. If you can get others like it, it wouldn't be too hard to get them into a decent database (MSDE, MS SQL Server, VistaDB, PostGreSQL, etc.) and work with them from there.
There are no annotations, but if you found something with them, it could be added in another table (or the same one even).
Honestly, that's a very good starting point, and if I were to write some Bible software (I've thought about it before very seriously), I'd probably start there. It's better than many other resources that I've seen. (And I've looked before.)