"... I am reformatting my drive as soon as my WD 120GB drive (8mb) and ata/133 card arrive, so that may fix it, any other suggestions?..."
The chances that you actually have any viri on your HD are slim (only reasonable fear of the new and unknown prevents me from saying "none"); I would run it once (go to bed, whatever) and leave it at that.
Have it check downloads, shareware disks, disks from other users, and eMail. You shouldn't have to scan your HD regularly, unless a Mac virus alert comes up (last one was about 5 years ago, when everybody was running the latest OS, System 7.5.5. To defeat that, a setting in QuickTime was all you needed to check).
You are basically doing it as a courtesy to your PC using eMail contacts.
If you are using MS Office apps and Outlook/Entorage, you need to watch for macro's; if you use another app for eMail (don't forget to remove the MS mail app from your drive) you don't have to worry much about that either, except from files from other users via removeable disks.