What does Error message "Can't load Oracle dll (oci.dll)" mean?

If you have a new install of Oracle on Windows 2003 Server and you can't get the APPX --> Oracle connection to work -- everyone receives - "Can't load Oracle dll (oci.dll)" -- It may be caused by the permissions of Windows 2003 server file system. Make sure users have rights to the directory containing oci.dll. (i.e. c:\oracle\ora92\bin)