Thanks for the advice guys. I flashed the BIOS a while ago and it did lessen the amount of crashes I was experiencing. So did: Getting a good surge protector,a new power supply, a decent CPU fan (CPU still gets hot), and using a LAN and Audio cards instead of unsupported mobo. The motherboard is not on this list: http://www.microsoft.com/Windows/catalog/
so it's not supported by XP officially.
The web sight you recommended let me find a motherboard that is supported and compatible. I hope it works for $100.