heres an article i found for windows vista-i'm sure its the same for xp.
http://support.microsoft.com/kb/929605 might help answer your question.
"Bob I" wrote:
> You might want to check MSinfo32 before and after to see what might shed
> some light on the issue.
>
> CR-Sac wrote:
> > Hate to be the party pooper of the group here, but we're a bit off topic.
> > Whether or not 4GB of physical memory is necessary is a moot point, the
> > question remains why changing the page file size altered the amount of
> > physical memory recognized by Windows. M.I.5¾ points out the existence of
> > the "PCI Hole", which I already understand and expected. However, keep in
> > mind that the PCI Hole exists as a result of addressing done by the BIOS, not
> > by Windows. Also, since Windows is in PAE mode it can address much more than
> > 4GB of RAM. Each application only has 4GB of virtual memory assigned (a
> > combination of physical memory and page file space), but Windows itself is
> > capable of managing and addressing a full 4GB of physical memory, so long as
> > the motherboard appropriately support memory remapping to workaround the PCI
> > Hole. The problem here still remains: the PCI Hole explains the missing
> > .52GB of memory, but it does not explain why this hole increases when the
> > Page File gets bigger. So my original question still remains.
> >
> > "M.I.5¾" wrote:
> >
> >
> >>"Michael W. Ryder" <_(E-Mail Removed)> wrote in message
> >>news:RRbzi.454090$(E-Mail Removed)...
> >>
> >>>M.I.5¾ wrote:
> >>>
> >>>>"CR-Sac" <CR-(E-Mail Removed)> wrote in message
> >>>>news:2463F3F7-EE57-484D-BC83-(E-Mail Removed)...
> >>>>
> >>>>> So I understand both the PCI Memory Hole, the 4GB limitation for
> >>>>>physical
> >>>>>memory within Windows itself, and the 4GB of total Virtual Memory
> >>>>>Address
> >>>>>available to each process, etc. etc. However, I have run across a
> >>>>>situation
> >>>>>that I find very odd.
> >>>>> A new build consisting of an Intel E6750 2.66GHz Core 2 Duo with a
> >>>>>1333MHz FSB, Intel DG33BUC motherboard, and 4GB of DDR2-6400 clocked
> >>>>>down to
> >>>>>667MHz running Windows XP Professional first recognized only 3.23GB of
> >>>>>physical memory installed. Also, Windows had automatically loaded into
> >>>>>PAE
> >>>>>mode to support DEP since it's built into the processor. My first
> >>>>>impression
> >>>>>was that the missing .77GB of physical memory was a victim of the PCI
> >>>>>hole.
> >>>>>But what confused me was that after tweaking the Page File size downward
> >>>>>the
> >>>>>reported physical memory increased to 3.48GB. Out of curiosity I
> >>>>>completely
> >>>>>removed the page file, but the reported physical memory did not change.
> >>>>>After returning the page file to the "System Managed Size" the reported
> >>>>>physical memory remained at 3.48GB. Finally, when reverting to the
> >>>>>original
> >>>>>custom settings populated by XP during the initial setup of the system
> >>>>>the
> >>>>>physical memory shrank back to 3.23GB.
> >>>>> This is clearly not an issue of the PCI Hole or 4GB limitation. So
> >>>>>what
> >>>>>is the problem?
> >>>>
> >>>>The 32 bit version of Windows XP only supports a maximum of 4 GB of
> >>>>memory space. However, what you have overlooked is that all the memory
> >>>>mapped bits of hardware also have to occupy this space. Normally with
> >>>>smaller amounts of memory, this isn't a problem, the memory mapped
> >>>>hardware occupies addresses for which no physical memory is present.
> >>>>Once 4GB is installed the latter part of it isn't available because
> >>>>something else has already pinched the address range. 3.2 to 3.4 GB is
> >>>>about the right ball park for the memory that is available.
> >>>>
> >>>>The only mystery that remains is: why you think you require 4GB of memory
> >>>>in the first place?
> >>>>
> >>>>
> >>>>
> >>>
> >>>Obviously you have never tried to edit large (1 GB+) files. I have 3 GB
> >>>of RAM and have had it use all of it plus a large swap file when trying to
> >>>open it with Wordpad or some other programs. My normal memory usage is
> >>>1.5 to 2 GB of memory with just my normal programs open.
> >>>
> >>
> >>I regularly edit files much larger than that. What makes you think large
> >>amounts of memory are required for editing large files? Never heard of a
> >>hard disk? Windows will generally occupy whatever memory you install,
> >>requiring less swap file as the memory gets bigger. 512 MB to 1 GB is
> >>generally adequate for most purposes, but editing High Definition video is
> >>often more comfortable with 2GB. I cannot think of anything that needs any
> >>more than 2GB, but there may be some very specialist applications out there
> >>that benefit from it. Otherwise there is seldom much performance gain going
> >>from 1GB to 2GB let alone up to 4GB.
> >>
> >>
> >>
> >>
> >>
>
>