Trying to use STRING

As an experienced COBOL programmer I am a bit embarrassed to ask this
question, but as I have never had to do something like this before I
am struggling. I need to create a CSV file. I am using STRING
statement to do this. My problem is that I am getting trailing spaces
left on my text fields and I cannot figure how to fix it. I'm sure
somebody has done this before and will show me the error of my ways.

77 WS-NAME PIC X(30).
77 WS-ADD1 PIC X(30).
77 WS-BALANCE PIC ZZZZZ9.99.



STRING QUOTE WS-NAME QUOTE ","
QUOTE WS-ADD1 QUOTE ","
WS-BALANCE ","

Gives me:

"BOB SMITH ","10 THE HIGH
STREET ", 123.45

But I want

"BOB SMITH","10 THE HIGH STREET", 123.45

or even (just out of interest really as this is not giving me a
problem)

"BOB SMITH","10 THE HIGH STREET",123.45

.