You might have a set of properties that is used on the developer machine, which varies from developer to developer, another set for a staging environment, and yet another fo
Caleb P and JeeBee probably have your fastest solution. Plus you don't have to setup different services or point to files on different machines. You can specify your environment either by using a ${user.name} variable or by specifying the profile in a -D argument for Ant or Maven.
Additionally in this setup, you can have a generic properties file, and overriding properties files for the specific environments. Both Ant and Maven support these capabilities.