Yes Ian,
14 bytes for the Bitmap header of the image.
40 bytes for the DIB header (I’m assuming your using Windows XP or later versions of windows – BITMAPINFOHEADER is probably used).
Pixel array would be next (its padded out to at least 4 bytes per row of pixels)
10 rows of pixels, each row padded to 4 bytes is
40 bytes for the image data
So 94 bytes so far
The last 8 bytes is for the colour palette as 4 bytes are used to define black and 4 bytes used to define white.
14 + 40 + 40 + 8 = 102 bytes
Hope that helps,
Charlie
P.S. You can read Wikipedia’s excellent breakdown of the file format here: http://en.wikipedia.org/wiki/BMP_file_format.