Workflow or Programming? Aggregating Contact details in Account

Hi,

I've a problem, I'm considering the use of Workflows (if possible) or Apex (if nececery).

Each of my contacts represents a certain country (as denoted in a custom multi-select picklist field) .

The same goes for each account. (i.e. it represents certain countries as denoted in a custom multi-select picklist field) .

I would like the picklist values in the Account to be populated automatically as the sum, or aggregation of the contact's countries.

1. Could this be done using workflow rules? I couldn't find cross object or parent object field updates in the interface.

2. Could this be done using Roll-up Summaries? I couldn't find that either.

3 . Must I use Apex? should I write a trigger?

Thanks so much

Ben

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