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Default Formula for product based on criteria?

I have a worksheet that looks roughly like the following:
A B C L M
N O
1 Jan Feb March........... to Dec Wage Base
Liability at: XXXXX
2 joe 3 7 88 ........... $100
$______

I am trying to figure out a formula for cell N2 so that if the user types a
"Jan" into cell O1 they will get the product of cell A2*M2. If they type
"Feb" into cell O1 they will get the product of B2*M2...and so on through to
Dec.

Is this possible or do I just need to do 12 "If"'s in the formula? Thanks
 
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