Abstract: A method and apparatus is provided for loading data from a spreadsheet into a dynamically created relational database table, based on conditions provided by a reference table. Alternative types of transmission links, such as E-mail, FTP and Internet web interface, may be used to send a spreadsheet to a location for processing, and security measures are provided for each type of transmission. One useful embodiment is directed to a method for transferring data from a specified spreadsheet, having a name, rows and columns, to a relational database table. The method includes the steps of receiving the spreadsheet at a given location, assigning a name to the relational database table that is derived from the spreadsheet name, and creating names for columns of the table from the contents of a first row of the spreadsheet. Data types for respective columns of the table are derived from the contents of a second row of the spreadsheet.