[SunHELP] reformating output

I am working with a file "users" that contains usernames, 
1 entry per line.  I am trying to cat that into awk and
make the output display it in the form:

'BOB','JANE','FRED','JOE'...........

I am having trouble with the awk print command for one
I dont know that I can strip the carriage return and when
I try printf I must be getting the format incorrect when
using the ' and ,
Can anyone suggest?