How to remove a door panel on a 1995 Honda Civic
 

HOW TO REMOVE YOUR DOOR PANEL

I'm assuming you have no power windows on your car.
Behind your window handle is a c-clip that is stopping you from pulling this panel off. Even if you have already taken out a few screws and tried to pull the panel off...you must take this clip off, here is how. There is a special tool for this, or you can simply push back the door panel so that you can see the clip. Once you see the open end of the c-clip take a t-shirt or towel and simply work it into the open end of the clip until the clip pops off.

Carefull with this procedure, if you are not sure on how to perform this, I would suggest you visit a auto repair place or ask an experienced friend.