Thanks all for the advice....
It seems like the best solution, and the one within my budjet, is to upgrade to a faster hardrive. A friend of mine found a 7200rpm drive on the net for not too much so I am going to have him install it for me. I guess when I have some more cash I will get the upgrade on the soundcard. I don't feel to comfortable playing with the virtual memory so I will leave that alone for the moment. I am really happy with N-tracks so far though, and since I have figured out how to do aux send for effects, my cpu usage is down within a managable range for the number of tracks I need. Boy, I feel like this has been quite an education, within about a week I have learned more about computers and recording than I would have thought possible, or indeed expected. Thanks again to every one on this board for advice, as the accumulated knowledge and experience has really helped.
One more question...
If I install the second hard drive, is it possible to have two operating systems, one on each drive. I would like the option of chosing between Windows Millenuem and windows 2k/NT at start up. It seems like the network based windows versions would make for a more stable platform for music recording, although installing drivers for sound might be a problem? Any thoughts?