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Default Display last value in the row


Hello,
I asked this questions some time back in a previous post, and
received two formulas that doesn't seem to work:

=INDEX(A1:A12,MAX(IF(A1:A12<0,ROW(A1:A12))))
=OFFSET(A1,-1+MAX((A1:A120)*ROW(A1:A12)),0)

This is what I want to happen:
Example: I have a list of figures ranging from A1:A12. These cell
contain formulas.
If I have currency values in A1:A5, A:6 down to A:12 will have $0.00
because those cells haven't been updated yet.

How do I display the last figure in the list in cell B1 (which in thi
case would be in A5); Without the $0's showing up as a value? Then a
A6 updates, and it's the last value in the list, then that's what
shown in B1.

I know that both formulas are array formulas (Ctrl,Shift,Enter). Th
first formula gives me a #Ref error. The second one just yields a 0 i
the cell.

I don't know whats wrong. Please help with a formula to do the above.

Thanks,
EMo

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