Im using XL 2000

I have 48 columns, representing months Apr-06 thru Mar-07 (see January
example below)
Users enter a value under the €˜Cashable1 column for the current month.
In Column 49, r4, I need to show the value in the Cashable1 column, r4 for
the current month.

This is Januarys layout. It is repeated for each month across the worksheet.

A B C
D
1 April
2 Latest Annual Estimate Actual
3 Cashable1 Non Cashable1 Cashable2 Non Cashable2
4 £0.000 M £0.000 M £0.000 M £0.000 M

r1 is ABCD merged and contains a month as text. (then the respective columns
for each month)
r2 is A+B merged & C+D merged (then the respective columns for each month)
r3 are my column headings (then the respective columns for each month)
r4 onwards are user data entry.

Any advice on a solution appreciated.
I'm assuming this is formula issue and not a VBA (formula preferred)
Thanks, Paul