I'm trying to figure out the best way to use advanced criterea in formulas.  
Here's my example:

Date              Account             Amount
1/1/08           account a           -$5
2/2/08           account b           $10
3/3/08           account a            -$4
4/3/08           account c            $12
...and so on for all my financial transactions

my second worksheet is set up as follows

Account         Jan 08             Feb 08         Mar 08       Apr 08
account a      
account b      
account c

Now in each of the columns for the second worksheet I want to enter a
formula that will calculate the total of all transactions for the specific
account during the specific month.  I thought maybe the sumif function could
do this, but I can't figure out how to specify multiple criterea in that
function.  All I can figure is that I have to set up a seperate criterea
table for each cell to reference (which seems like a lot of work if I have 10
different accounts and I'm looking for monthly calculations over the past 5
years!   Isn't there a way to enter different multiple criterea for different
formulas without needing to create multiple criterea tables?