Insert more then one row

Hi,
I'm using Pgsql 8.1 in my project and I have to insert more than one rows with one sql query as the insert commmand slows a lot the server and comsumes too much resources. I have read some older mails about this and most of them recommended to use COPY command but the thing is I don't have a chance to create a file. I have a php form which takes data and then execute some queries after the submit. I will have probably 100 rows maximum (just a guess). It wont slow down a lot, but I want to find and use a better alternative than to use a for statement to insert datas.
In some of the mails someone had talked about to use the copy's stdout command. But I can't honestly say that I understood clearly how to use it.
I don't want to create a file with php and then populate and then use the copy command by that as it will be more problematic. So what do you suggest? Can I use the COPY command without pointing a file? Or can I point a string variable to use it as source while the delimeter is something else than the tab character (the | character perhaps). Or can I point a string array simply? (When i say point i mean to use it as datasource. Sorry for my bad english)
Thank you for your time
Roy Simkes

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