DDS texture

I am trying to write a simple water reflection program. In RenderMonkey I've found a shader, that does this, but it requires 3D texture (sampler3D), which is a DDS volume file. I haven't found any libraries for this, so I decided to write one by myself. I managed to load the whole file into Bitmap, but I don't know how to make a 3D texture from it. Does anybody know how to do this?
I'm using C#, but, I think, any language would be OK=)