I'm not sure what the problem could be. You might try swapping the sticks around into different configurations like 64-128-128; 128-64-128, etc. just to see if XP will pick it up. You might check the compatability list to see if that 64mb chip is supported or not - it looks like that's the one XP finds distasteful.
Ep, glad to see you come back and tidy up...did want to ask a one day favor, I want to enhance my resume , was hoping you could make me administrator for a day, if so, take me right off since I won't be here to do anything, and don't know the slightest about the board, but it would be nice putting "served administrator osnn", if can do, THANKS