Wierd Windows XP Locking up Issue

[stabilep]

Ok I am having a really wierd issue with my PC today and I am stumped

Up till this morning my PC was fine. The only things I did was update my sound card drivers (audigy 2 zs) and install the Window Updates.

Now this morning my PC locks up when I boot up so I boot into safe mode and restored my system to two days ago before the updates and the driver updates. Still locked up. Then I went into safe mode and plugged in my USB drive (so I can back up stuff) and the system locked up in safe mode! So then I said ok it must be an issue with USB so I disabled my USB ports in the bios. Still locks up. But I noticed konfabulator would load then lock up so I disabled it and the system ran fine. Until I plug in a USB drive then it locked up. So now I am stumped what else can it be? I scanned for viruses, spyware and minimized my startup items to the bare minimums.

And no I am not using a pirated OS its legal.
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system specs
AMD Athlon 2500+ OC'ed to a 3200+
1gb PC3200 Ram
Shuttle AN35N-Ultra motherboard
ATi 9800 pro 128mb
Lite-On DVD+/-RW Drive
160gb Maxtor Drive
40gb Maxtor Drive
20gb Western Digital Drive
LCD 17" Monitor
Logitech Wireless Access Keyboard
Logitech MX500 Mouse
Audigy 2ZS
Canon S600 USB
Acer Scanner USB
Windows XP Professional

 

[Qwertyman]

maybe its your overclock.

 

[stabilep]

I reset the bios to defaults and it still locked up.

 

[Invader_sk00dge]

I'd try testing the memory or power supply. It could be a number of things.

 

[stabilep]

Well I tested the memory not a single error in memtest. How would I go about testing the PSU.

 

[stabilep]

Well it was wierds I think my hard drives are failing or the pwoer supply sucks. I have a thermal take 420 watter but everytime i access the second drive in windows the system locks up otherwise give it 10--20 minutes and it will lock up on its own.