http://www.mmplayer.com/faq.php
3- I don't have a memory card. Can I use MMPlayer anyway?
Yes, you can.
To do this, you need to convert the MP3 file to a PDB file on your computer to be able to install it on the Palm with HotSync.
You can do this by downloading the par utility available here (
http://www.djw.org/product/palm/par/parwin32.zip).
Then type the following command:
par c -a stream song.pdb "name of the song" MMPA MMPL song.mp3
Then install the PDB file to the Palm using HotSync with the Palm Desktop.
MMPlayer will then be able to use the PDB file as a media source.