Ok, I was able to figure it out. The problem was the cheap motherboard,
. It is a work computer and they told me I had to go the cheap route, so it wasn't my fault.
There was a setting in the BIOS called CPU clock, this apparently is the FSB setting. It was set to the default, 266 Mhz, which is the correct setting. But right above that option, there was an area where it showed the current FSB setting, which was set to 100 Mhz. So even though the FSB was set to 266 Mhz, the motherboard was only reading it at 100 Mhz. Again, cheap motherboard. As soon as I changed the CPU setting, the motherboard picked up the new setting and it now reads the FSB correctly.
So I'm good to go, no need for any help.