You're missing FILETOSTR(). IOW, you're storing a file name instead of its contents.

INSERT INTO tempc(tememo) VALUES (CREATEBINARY(FILETOSTR(x)))

>

>CREATE CURSOR tempc (tememo M nocptrans)
>x="c:\fgr\fgricons\test.bmp"
>INSERT INTO tempc(tememo) VALUES (CREATEBINARY(x))
>y="c:\fgr\fgricons\test1.bmp"
>STRTOFILE(tememo,y)
>

>
>What I get is an empty bmp pic and I check the contents of tememo I have "c:\fgr\fgricons\test.bmp"