X64 Will Not Boot With 4 Gigs Ram

I think this is a bios update thing - although I can not get an update from msi as their update thing doesn't support 64 bit os. Here's the poop. Windows will boot with 1, 2, and 3 one gig modules in all different combos but when I stick in the 4th it doesn't even get to post. However, when I take out the cmos battery, then replace it along with the 4 gigs installed - it boots, but with a beep and a post that says bad checksum and something about setting the clock. If I select go ahead with the default settings it boots right into windows and things are sweet. But from there if I reboot I'm back to square 1. If I select at the post thing (f1) to go in to change the clock - then f10 out, I'm again back to square one.