You can use a formula similar to the following:
=OFFSET($B$4,MATCH("z",B5:B8,0),MATCH("c",C4:F4,0),1,1)
This assumes that the row headings are in B5:B8 and the column
headings are in C4:F4. The formula looks for a row header of "z" and a
column header of "c". Change to suit your needs. Cell B4 is where the
row and column headers intersect. While the formula uses B4 as the
anchor for the OFFSET function, the contents (if any) of B4 are
entirely irrelevant. If a row and/or column header is not found, the
formula returns a #N/A error.
Cordially,
Chip Pearson
Microsoft Most Valuable Professional
Excel Product Group
Pearson Software Consulting, LLC
www.cpearson.com
(email on web site)