OK...I'm answering my own question here, I think

Used the same settings and this time I skipped memtest and went straight into windows and everest and CPUZ. It's reported as DDR500 by both although BIOS reports it as DDR400...must be BIOS Post misreporting...and my memory doing speeds that OCZ says it's not suppose to do...220 should be the max according to them...go figure.