Mysql info - select * from mysql.user yields:
host = localhost user = root password = (none)
host = % user = apache password = 77ddghws8w...
host = localhost user = apache password = (none)
host = 127.0.0.1 user = apache password = (none)


host = %          Db= test    User=(none) select=Y ...
host = %          Db= Loader  User=apache select=Y ...
host = localhost  Db= Loader  User=apache select=Y ...
host = 127.0.0.1  Db= Loader  User=apache select=Y ...

##</code><code>##

grant select, insert, update, delete
on Loader.*
to testuser@localhost
identified by 'testpass';

##</code><code>##

$database = "Loader";
$hostname = "localhost";
$username = "testuser";
$password = "testpass";

$dbh = DBI->connect("DBI:mysql:$database:$hostname", $user, $password)