In Excel, you can use Natural Language formulas, as explained here:
http://support.microsoft.com/kb/279412
Using the first example in that article, you could type the following
formula in a cell:
=Product A First Quarter
and the result would be 100.
You can identify the label ranges:
Choose Insert>Name>Label
Select range A2:A4, select Row labels, click Add
Select range B1:C1, select Column labels, click Add
Click OK
Then, in an empty cell, type an equal sign, then click on cell B2
The natural language formula is automatically created.
However, there are limitations to using natural language formulas, and
it's better to use named ranges.