slow loading into towns....

i was wondering witch would help my slow loading i have when i enter towns and missions.

would more memory speed it up(currently 128 ddr) or a better graphix card (currently 64mb)? eventually i will upgrade both, but dont have the dollars to do it at the same time. id like to know witch to get first.

everything else on my computer is above average.

We need to know more...especially what your internet connection is.
Nice things to know are:
CPU Make/Model/Speed
RAM Size/Speed/Type
GPU Make/Model/Memory

Internet connection: Type/Speed Down/Speed Up

i.e.
Intel Pentium 4 3.2GHz
512MB PC3200 (400MHz) DDR
BFG GeForce 6800GT-OC 256MB

Cable Internet 3Mbps/512Kbps

cable modem
gforce 4 card 64mb
64 gig hard drive
128ddr mb memory
p4 2.2 cpu chip
what more do you need?

Personally, I'd upgrade the memory first (to at least 384mb, 512mb if you're on XP). I think you'll get the most "bang for the buck" that way, as your everyday operations are getting strangled by having memory that low. That may not be enough to solve your GW problems, though.

I'd have to agree that RAM is the problem. You have so little that it has to write to the hard drive (in a process referred to as virtual memory and called the page file) information that would otherwise be stored to RAM. RAM is obviously a lot faster than your hard drive, so having more would most likely help.
Make sure that you get the right speed and size of RAM. You want to match the speed of the existing stick, and you want to make sure that the new one is within the limits of the motherboard's per-slot memory size. Look at the manual for your motherboard (or computer if it's something like a Dell/Compaq/HP/etc.), or, if you have one of these name-brand computers, you can generally find recommendations online or at a retailer.