Definitely the card. More and more developers for the PC are developing for the newest cards (geforce 2 and 3). In the very near future, you won't be able to run any games without 64 Mb vid Ram.
Change the card.
Also, XP is a hog, especially if you have all of the toys turned on. Kill as much eye candy as possible, defrag your drive, then try again.
------------------
Remember Dieppe
