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Default Trouble using the { } in array formula (for multiple criteria)

Hi.

I am usually pretty successful using the SUM(IF(( array formula but am
having difficult when trying to use the { } with multiple criteria for one
range in the formula.

I have looked at KB article 275165 but haven't found this very helpful as I
keep getting the N/A error.

My worksheet is as follows:
colums
rows Month1 Month2 Month3 .... Month12
Acct1 Amt11 Amt21 ... Amt121
Acct2 Amt12 Amt22
.... ... ... ...
AcctN Amt1N Amt2N ... Amt12N

I need to sum over the account range (Acct1 - AcctN) for one month (Month x).
My formula is
SUM(IF((MonthRange=Monthx)*(AcctRange={Accta,Acctb }),Amt11:Amt12N,0))

It works so long as I have only Accta or Acctb (or if I connect several
criteria with AcctRange). I'd like it to know if there is a way to get it to
work in accordance with KB article 275165.

P.S. The accounts listed in the rows are number types (but I have tried it
while using strings as well).

What am I missing?!?!?!?!!?

Thanks!

 
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