There are 2 options in DBC to load animation:
1) Use an extern program that can export animation with the extensions .X or .3DS. The problem is, that DBC does NOT support bone animation, and even then, there are still always chances that the animation is not displayed correctly. Don't forget that DBC is growing a bit older...
2) Use DBC itself to create your animation. DBC has the ability to load and save its own animation data for an object loaded.
There might be problems with the pivoting points of the limbs, but if you get it all right, you have the same animation if you load it the next time for 100%.
It's the programmer's life:
Have a problem, solve the problem, and have a new problem to solve.