C / C++ / MFC

       CBitmap *bm = new CBitmap;           // Bitmap Object

bm->LoadBitmap((UINT) IDD_BITMAP);   // load the yellow arrow with white background

  CDC *cdcwindow = this->GetDC();        // get dc

  CDC cdcimage;

 cdcimage.CreateCompatibleDC(cdcwindow);     // create a memory bitmap

CBitmap *oldbit = cdcimage.SelectObject(bm);   // select the it in






   cdcimage1.CreateCompatibleDC(&cdcimage);      // create another memory bitmap
   cdcimage1.SelectObject(bm);                      // select the color bitmap

   cdctrans.CreateCompatible(&cdcimage);             //Create another memory DC

   CBitmap bmask;                                     //  Create mask

   bmask.CreateBitmap(bm_struct.bmWidth,bm_struct.bmHeight,1,1,NULL);   // create a mono bitmap
   cdctrans.SelectObject(&bmask);                                   // select it


    COLORREF clr = cdcimage1.GetPixel(0,0);                               // get the backgroundd color

     cdcimage1.SetBkColor(clr);                                           //    set it

      cdctrans.BitBlt(0,0,bm_struct.bmWidth,bm_struct.bmHeight,&cdcimage1,0,0,SRCCOPY);  // copy color to mono settting backgound bits to to the background
                                                                                             // which is white and the arrow to black

       cdcimage.SetBkColor(RGB(125,125,125));                                                // set gray background
   cdcimage.SetTextColor(RGB(255,255,0));                                                // set yellow foreground


       cdcimage.BitBlt(0,0,bm_struct.bmWidth,bm_struct.bmHeight,&cdctrans,0,0,SRCCOPY);     // this should change white background to gray
                                                                                                // and black arrow to yellow

       stgm.hBitmap = (HBITMAP)*bm;                                                             get bit map handle