The only way I can think of is by using a VLOOKUP to a table.
=VLOOKUP(INT(A1),D1:E100,2)& "and "&(A1-INT(A1))*100&"/100"
Where columns D & E are the table column D is 1,2,3 etc and column E is One,
Two, Three etc. A1 contains the original your 10.95
This is going to take some setting up if you have large numbers to deal with
(eg One Thousand Two Hundred and Thirty Four), but will be reasonable easy
with smaller numbers. Of course, with larger numbers you could split the
number up, but that will make the formula much more complex.

Signature
Ian
--
>I want to show a number (really a dollar amount) as you would write on a
>check
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> Thanks,
> Don