I'm using the following commands in a form method to append a comma delimited text file to a database table. Both the file and table are small -- 300 text records, 6000 table records. The table has 19 fields, 18 indices, & 5 parent relations. The form has a private data session with optimistic buffering.

SELECT (lcAlias)
APPEND FROM (lcFile) TYPE DELIMITED WITH |
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I'm running Foxpro 6 with sp 4 on two computers. Computer 1 is a 1.8Ghz Pent4 with 256mb, WinXp Home edition, & NTSF. Computer 2 is an AMD 1900+ with 256mb, Win98 SE, & FAT32. The network is tcp/ip peer-to-peer using 100baseT and a SohoWare 5-port switch.
The append takes about 2 seconds on either computer when the database is on the same computer as the program. When the program runs on the WinXP computer with the database on the Win98 computer, the append takes 21 seconds. When the program runs on the Win98 computer with the database on the WinXP computer, the append takes 95 seconds. Removing half the indices reduces the time by about 10 pct. In all cases, the text file is on the computer where the program runs.
Are these typical speed ratios between local and network databases? 
Should WinXP NTSF be this much slower than Win98 FAT32?
Will the time decrease substantially when the database is on a server?
Is there a better way to append text files to a network database?