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Default conditional formatting using formulas

can anyone help with a formula for conditional formatting? here's the
scenario. I have a sheet that i'm using to track dues paid by members over a
period of months.
Row 1 is dedicated to headings
Col A is dedicated to member names.
Cols B:R i have (in row 1) months in the calendar year, JAN 09, FEB 09, Etc.

subsequent rows for each member show the number of dollars that they have
paid in each month totalling in col S.

Each positive nonzero entry auto formats to green fill, each entry with a -1
in it formats to gray (before they joined). The heading cell for the current
month auto highlights to blue.

Here is what i need. I want to format to red all cells which have the 2
true conditions. The Cell is blank (easy part). The cell is in the column
or to the left of (earlier in the year than) the current month's column. Can
anyone help?
 
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