I got the solution and the diagnosis of the "out of memory" problem.<br>
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I called Microsoft Technical Support. It is a known problem, but in my case there was no articles in the knowledge base. Initially, tech support thought the problem was with pictures that were defined as gif(s). There is a memory leak when Access 2000 converts the .gif to wmf for internal use, but I was not using .gif(s).They had me do a Control G and check how many Forms and Modules were open with VBA code. All of my forms and modules were open, so we closed them all --- 85 Forms and one module with 40 Functions. Closed down Access and even rebooted, when I opened Access again all the Forms were still open. I had converted the mdb from Access 97 originally. The SOLUTION was to create a new mdb in Access 2000 and import all the objects. I can now close the Forms and Module and they will stay closed, so no more memory problem. By the way, in NT the problem didn't show up because it seems to allocate the resources better, I am using Windows 98 on my PC.<br>
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The solution led to additional problems with libraries but that is now solved.