Code:
#include <stdio.h>
#include <string.h>
const int rows=4;
const int cols=12;
float num[rows][cols];
float total, arraytotal;

FILE *fp;

main()
{
      if((fp = fopen("array.txt","r"))==NULL)
             printf("error opening file\n");
      else
             {
                 for(int i=0;i<rows;i++)
                 {
                 total=0;
                 printf("\n\n\t\t");
             
                 for(int j=0; j<cols; j++)
                 {
                         fscanf(fp,"%f",&num[i][j]);
                         printf("%7.2f",num[i][j]);
                         total=total+num[i][j];
                 }
                 printf("%7.2f",total);
                 }
                 
                 arraytotal=0;
                 printf("\n\n\n\t\t");
                 for(int j=0; j<cols; j++)
                 {
                         total=0;
                         for(int i=0; i<rows; i++)
                         total=total+num[i][j];
                         printf("%7.2f",total);
                         arraytotal=arraytotal+total;
                 }
                         printf("%7.2f", arraytotal);
                         }
                         
                         getchar();
}

as it stands this reads in the numbers into the array , calculates the row total and the column total

as for getting it to read a string of letters at the start im completely stumped