Hmmm, I read some of the things you found me in that search (thanks for that), and one of the things it said was to check the IRQs being used in Windows XP (which I am still running).
Turns out the D-Link card is sharing an IRQ with two other things. Maybe that is what is causing me to have wonky Windows when using the D-Link.
I can't remove the 56K modem card because I have a 56K External modem. ;)
More research by me is needed on this, and I also appreciate any other comments or thoughts you might have. At least you gave me a place to start! Thanks!
Brenda