What speed of a processor do you have? You could definately use some more RAM, and GeForce 4 is pretty bad nowadays. I know you don't want to hear it but you're not going to drop those load times much without upgrading.

http://www.newegg.com

You could probably do a very nice upgrade to your RAM and video card for under $200.00 if you shop wisely. It gets expensive if you have to upgrade your processor because odds are you'll need a new motherboard as well.