my $query = "SELECT id,fname,lname FROM test WHERE id < 10";
my @fields = qw(id fname lname);

# create a list of cols values
my @cols = ();
@cols[0..$#fields] = ();
$sth = $dbh->prepare($query);
$sth->execute;

# Bind perl variables to columns.
$sth->bind_columns(undef, \(@cols));
print "<table>";
print '<tr bgcolor="grey">', 
    map("<th>$_</th>", @fields), "</tr>";
while ($sth->fetch) {
    print "<tr>", 
        map("<td>$_</td>", @cols), "</tr>";
}
print "</table>";