i got the drivers from http://www.highpoint-tech.com/BIOS_Driver/page/rr1520.htm
and yes I just extracted the full zipfile to a floppy, so it included 2003 xp 2000 drivers. It did give me a choice at the f6 prompt of which ones I wanted to use.
I did submit a ticket with highpoint and they actually got back to me in a reasonable time. Their response:
"make sure to extract the new driver directly to the floppy diskette, and a use standard floppy drive (Windows versions prior to Vista have trouble recognizing USB drives after the first stage of setup)."
That didnt help as this motherboard doesn't have a floppy header. They may be right but I'll never know. I did find a real slow solution though.
I installed my fresh os on a single drive, installed drivers, added the raid card as a slave and installed the drivers for it. Then I shutdown, connected the hard drive with my os on it, as well as a matching blank hard drive, to the RAID card. Then I had it rebuild the mirror, duplicating the data from my os drive to the other, which is a really nice feature on this card. It took hours to duplicate, but the finished product is a working mirror array running my os.
There must be a better way, and I plan to keep experimenting, but at least a working solution exists now.