my $h = $sth->fetchrow_hashref; # error checking left out
print <<END;
<form>
Username: <input name='username' value='$h->{username}' /><br />
Notes: <textarea name='notes'>$h->{notes}</textarea>
<input type='submit' />
</form>
END

##</code><code>##

print(
  start_form,
  'Username: ',
  textfield('username', $h->{username}),
  br,
  'Notes: ',
  textarea('notes', $h->{notes}),
  submit,
  end_form
);

##</code><code>##

% my $h = $sth->fetchrow_hashref;
<form>
Username: <input name='username' value='<% $h->{username} %>' /><br />
Notes: <textarea name='notes'><% $h->{notes} %></textarea>
<input type='submit' />
</form>