It was a scary movie I know that much.

I was maybe 10. The only part of the movie I remember is a ladie going to the bathroom in a public bathroom. And something crawls up out of the toilet and gets her. That's all I remmeber

are you sure that's not the X Files? Seems like maybe I saw an episode like that...

In the Candyman a woman goes into a public loo and the toilet has bees in it...

Could it be this?

This isn't exactly what you described, but in Goulies to a creature crawls up from a toilet a guy is using and gets him. Here's a link to the scene I'm talking about YouTube - Ghoulies II - Toilet Scene (http://www.youtube.com/watch?v=5RmBQarrygY)
It might be worth checking out, sometimes I confuse people and scenerios in movies from when I was a kid.

It could be aracnaphobia that spider film??