Flat file quotation marks as text qualifier ?

In dealing with the quotation marks as text qualifiers in a flat which the following is a sample containing 1 record:

"Column 1 data here.","     ",2001-01-01 10:00:03.521459000,"Column 4 data here."

Am I going down the right path in using the BCP command in creating an outputted xml FormatFile to be used as table validating reference & if yes how can I specify in accommodating the quotation marks where ever there is text-char-varchar type of columns (not around the datetime column) ?  Or do I have to edit the outputted xml file manually specifying for each desired column ?

Thanks in advance.