<< I'm using VFP3.0 professioal under Win95 >>

At least this rules out 16-bit ODBC drivers and Win32s! :)

I can't really think of a problem area to look at, except for maybe that you should have the update to VFP3, if you don't. VFP3.0b is the latest for that release, and, of course, it fixed bugs. These bugs could be affecting you or not, but the upgrade is anywhere between free to $20 depending who you get in contact with at MS sales.

Can you tell whether or not you actually have 3.0b?