Simple question. Calculating Z scores

[dneunabe]

I am trying to assign values to two cells (e.g. mean and standard deviation) based on values in three others cells, containing age, education, and gender. E.G. the value for the mean in cell B12 is assigned based on the age range of a person, their educational status (also a range), and their gender. Hence, the value in a cell is conditional based on three conditions. I have a 3 way table, so it is a matter of the formula "telling" which number belongs in my formula for calculating standard scores based on means and SDs--e.g. simple z-score calculations.

as an aside, does the Excel for Scientists from Mr. Excel solve this type of problem?

Thanks much!
dan neunaber