That's what I was wondering JP-TYVM

At this point I suspect the AGP/PCI bus to be the source of the lock (haven't ruled out memory-just waiting for my PC3200 to get here) , but haven't found a way to "split" it from the FSB adjustments, as I noted in the thread recommended by TKOP...
Being that my multiplier is not locked, that's where I was considering going next-just wasn't sure what the effect would be in relation to FSB...still VERY much a noob in reguards to OCing.
Will post back as I progress...