Getting somewhere now - reinstalled the original prog , installed latest drivers for NVIDIA card & new TFT monitor, installed the M/s 9.1patch, have run Ad-Aware & Spybot, disabled Zone Alarm & few other progs such as InCD when running the FS prog.
The "cant read memeory" message has gone but prog now stops on the "Create a Flight" menu screen, which flickers rapidly on a black background. I've tried different screen resolutions, different refresh rates & maxell's suggestion re NVIDIA card but it keeps stalling at the same place !