FRM-92101 is a generic error and usually it means problems with Forms libraries (pll files). Try recompiling all your pll's or at least webutil.pll.
If this does not help, try rename webutil.pll to webutil_lib.pll, for instance, and attach it to your form. For us webutil.pll did not work at all until we renamed it.
Make sure you've subclassed Webutil Java beans from webutil.olb to your form.
Let know if this helped.
P.S. When working with files the better way is:
- Let user choose file (client_get_file_name or webutil_file.file_open_dialog)
- Transfer file to some temp directory on application server (webutil_file_transfer.client_to_as)
- Read file from application server using old Forms buil-in API, READ_IMAGE_FILE in this case.
- Delete file from temporary directory on application server
This is better for network traffic and speed, since you transfer file once, but not performing many reads through network (which is slower than single transfer).