Cheers for your reply
As I said in my previous post, I have taken the board out of the case (I booted it up using a screwdriver to short the power terminals) so I know it isn't the fp wiring.
Memtest is fine, and my psu has been fine for 4 years in this system now, its 450W and its a athlon x2 4000+ and A 9600gt, neither of which are particualrlary power hungry.
I really doubt its an overheating problem, as the heatsink on the processor isn't warm to the touch, as this happens on a cold boot. Also as I said earlier, on the 1/5 times it does work, I can play games fine with no instability whatsoever.
I will try a power conditioner I have about, but again if it was a problem with power I'm not sure why it happens so predictably at the same time during boot.
I've worked as an IT Tech and have delt with lots of computers, and whilst i've seen similar problems its usually been faulty memory.
Again thanks for your help, I may try disabling some of the on-board devices on the mobo to see if that makes any difference.
And btw, the entire system is stock (I built it) but the clock rates of anything have never been touched.