yeah, i've been having the same problems too. I've had 3 maxtor drives go bad on me, and only 1 western digital drives go bad on me.
2/3 was SMART ERRORS
1/3 was hardware failure, clicking, clicking, clicking..
and the WD drive somehow got slower and slower... The drive took long time to boot windows 95 (at that time '97s) and when i put a new drive in, load time was much faster...