Ace-a-Rue I found the problem! I am using 4x1GB of RAM. I took 2 sticks out and I no longer have any issues. I am guessing it has something to do with Vista utilizing all 4GB of the RAM then when I switch to XP it weirds out. I'm not sure if this is a BIOS issue or not but I will call Abit later today and ask them about it. Maybe they can setup a workbench and reproduce it.
I didn't notice any memory hole map options in the BIOS but my last AMD TForce 550 board did. Not sure if that would help or not but I didn't try dual boot with that setup.
For now if I want to dual boot I will just have to switch the PSU off and back on

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