If Access 95 or Office 95 was not used to load the DAO 3.0 engine on the machine, the cause is a missing registry entry. To fix this, place the folloing entry in the registry:

key name: HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Shared Tools\DAO string: Path value: (path to your DAO3032.DLL)

Another cause of this error is if the registry is set to read only. The only workaround for this cause is to either make the registry read / write, or make that particular entry read/write.