#!/usr/bin/perl

use DBI;
use CGI::FormBuilder;

$user = $ENV{REMOTE_USER};        # from .htaccess
$dbh  = DBI->connect(...);        # your db here
$sth  = $dbh->prepare("select * from pers where user = $user");
$defs = $sth->fetchrow_hashref;

@fields = qw(first_name last_name email phone
             address city state zip mail_list);

$form = CGI::FormBuilder->new(
             method => 'post',
             fields => \@fields,
             values => $defs,     # values from hashref
             required => 'ALL'
        );