How to programming MFCC

Help me in computing the MFCC
I have computed the spectrum of the speech signal. After the Spectrum
is computed mel -scale filterbank is Applied. I have problem is
programming mel -scale filterbank. Can u help is continuing the
program.
Here is the program i have written
function spectogram();
nfft = 512;
M = 256;
overlap = 128;
[y, fs, nbits] = wavread('e:\\data\\khatoon-chopped.wav');
windows = hamming(M);
nhop = M - overlap;
nframe = length(y) / nhop;
x = 0;
for i = 1 : nframe - 1
frame = y(x+1:x + M);
x = x + nhop;
mul = windows .* frame;
Y(:,i)=fft(mul, nfft);
end
m = 40 + 20*log10(abs(Y));
imagesc(m);
title('spectogram - user defince function');
%end spectogram(fp);

Help me

Thanking you
P.Sathish Kumar

.

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