This works for me:

=OR(AND(A1="apple",B1="cash"),AND(A1<"apple",A1< "",B1="credit"))

Make sure that "Ignore Blank" is *UNCHECKED*!

--
HTH,

RD

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"Teddy-B" wrote in message
...
Hi Everyone: Thanks for helping!

I need a validation formula that will allow input into a cell based upon
the
data in a different cell. For Example: I want excel to allow only the word
"cash" to be entered in B1 if the word "apple" is in A1. If a word other
than
"apple" is in A1, then excel will allow only the word "credit" to be
entered.

Thanks again!