Very good point, Rick!
Using the config-dist.php of the 1.9.19 downloaded code might need the following:
$CFG->dbtype = 'mysql';
$CFG->dbhost = 'localhost'; remotely hosted might have an IP address here
$CFG->dbname = 'name_of_database_for_moodle';
$CFG->dbuser = 'user_that_has_full_access_rights_to_moodle_db';
$CFG->dbpass = 'password'; in clear text
$CFG->prefix = 'mdl_';
$CFG->wwwroot = 'http://urltomoodle'; (no trailing slash)
$CFG->dirroot = '/path_to_code/moodle';
$CFG->dataroot = '/path_to/moodledata';
The other item which might prove problematic depending IF your site had it ... password salt.
$CFG->passwordsaltmain = 'stringoflettersnumberssymbols';
The password salt line not present/used in versions of 1.9 prior to 1.9.6. Anything higher might have used salted passwords. Can't just invent one IF you had => 1.9.7. All users passwords were not only md5 but had their passwords 'salted' using the value of the 'salt'.
Might help to know what OS and who host the site for you.
'spirit of thinkering', Ken