Hello storries72, and welcome to HowToGeek. What I am understanding is that your problem is caused by Processes(ex. if "explorer.exe"(or any important process) ends/stops, that could happen).
So i suggest you to do a complete system scan for any virus/malware, I recommend you Malwarebyte's Anti-Malware and do a full system scan.
Let us know, what happened.

Best wishes,
Thanks.

I will try the malware scan. Yes I did build this myself.

I tried the malware program it found one, which I quarantined, but I still have the issue. The video chip is on the mother board, I do have an NVidia 7600 plug-in card. I will try this and see what happens. Thanks

Don't worry, I noticed :)

I haven't touched any of the folders. I have yet to get to changing out video card/graphics to check. will post.

Hi storrie72,

The upgrade to Windows 7 could possibly solve your issue, who knows.

However, with what has already been suggested I'm not sure what to say. Make sure you're fully updated with the latest drivers for all of your hardware. Try making sure you're fully updated with all of Windows Update's critical updates.

You could open the Event Logger (Control Panel, Administrative Tools) and look for any yellow/red alerts in Applications in the Windows Logs section, that might give us an idea. Apart from that I'm not sure what to suggest. Updating your drivers probably won't work as you tried a different graphics chip, I suppose updating other drivers wouldn't hurt though.

Long shot, but you wouldn't happen to have Active Desktop accidentally turned on would you? :P