Code:

procedure TForm1.Button1Click(Sender: TObject);

{©Drkb v.3(2007): www.drkb.ru}

var

M: TMemoryStream;

Buff: array of Byte;

begin

M := TMemoryStream.Create;

try

   M.LoadFromFile('c:\test.htm');

   SetLength(Buff, M.Size);

   M.Position := 0;

   M.Read(Buff[0], M.Size);

finally

   M.Free;

end;

end;