An Oxon Hill woman who said she learned how to fraudulently transfer money into her bank account by watching a television program was ordered by Prince Geoarg's County judge yesterday to repay $36,881 she obtained through such a transfer.

Michel Cubbage, 27, convicted of false pretense, was given 15 years to repay the money to the People's Security Bank of Suitland by Circuit Court Judge Audrey E. Melbourne. She was also given five years of probation.

Michael J. Gaffney, an investigator with the county state's attorney's office, said Cubbage learned about transferring money from the "60 Minutes" television program.

Putting her knowledge to work, Gaffney said, Cubbage called the People's Security Bank seven times last summer, representing herself as an official of the National Bank of Washington and requesting the large sums be credited to Cubbage's business account.

Cubbage, who said she wanted the money because she and her husband's financial difficulties were affecting their marriage, then withdrew the money from the account, according to Gaffney.

When People's Security Bank officials realized that no money had come in from the Washington bank to cover the credit, they checked and found that the National Bank of Washington had never heard of the transaction, Gaffney said.

Normally, when banks make what are called wire transfers, they identify themselves by number, according to People's Security Bank officials. The officials would not comment on how Cubbage managed to make the transfers.