decided it was Microsoft supplied software prob
I uninstalled Folder Lock - Same failure as before - I dug out old Dell stand alone diagnostics.
Ran approx 3 hours of dianostics - biggest part of time was diagnostics on C:
Ran all except telecom / cable modem diags. Not a single error.
Only thing left is the Microsoft Backup package. It ran last month successfully - not now fails consistently - only thing peculiar is timing is not consistent to failure point - I would have expected program to fail at the same point.
Going to wait thru next round of Microsoft updates and see if that changes anything
Tom