A:

procedure TForm1.Button1Click(Sender: TObject);
var
  i: integer;
begin
  stringGrid1.DefaultDrawing := false;
  with StringGrid1 do
  begin
    colCount := 26;
    RowCount := 99;
    for i := 1 to 20 do
      cells[i, 0] := chr(i + 64);
    for i := 0 to 99 do
      cells[0, i + 1] := IntToStr(i);
  end;
end;

procedure TForm1.StringGrid1DrawCell(Sender: TObject; Col, Row: Longint;
  Rect: TRect; State: TGridDrawState);
begin
  if (stringGrid1.cells[col, row][1] = '1') and (Col = 0) then
  begin
    stringGrid1.canvas.brush.color := clMaroon;
    stringGrid1.canvas.font.color := clWhite;
  end
  else
  begin
    stringGrid1.canvas.brush.color := clWhite;
    stringGrid1.canvas.font.color := clMaroon;
  end;
  stringGrid1.canvas.fillRect(rect);
  stringGrid1.canvas.TextRect(Rect, Rect.Left + 3, Rect.Top + 3, StringGrid1.cells[col, row]);
end;