what about me have i reached my max?

Antec Sonota
ECS EliteGroup 755-A2
AMD Athlon64 3000+ overclocked to 2.21GHz
Kingston Value RAM PC3200 512MB
XTASY ATi Radeon 9600 256MB overclocked to 419.54mhz core and 209mhz memory.
Antec Blower ^^ right under that card
Hercules 5.1 Surround Sound Card
Netgear Networking Card
Samsung 80GB 5400rpm 2mb cache... need to upgrade!!
POS CD Burner...

theres my specs... ok now am i done overclocking? I have done prime95 and memtest and the speed im at is good but when i go one more up in FSB then it doesnt work. I highly doubt heat is the problem seeing that my temps are very nice (about 34degrees celcius idle and 48-50degrees gaming or 100percent cpu use) So what do i need to do? I really want to get all I can out of my system and I no its a terrible setup but i am trying to make the best of what i have. So do i need to get better memory since i have value ram or do i need to ??? I dont know im a noob sorta at ocing and yes ive read the ocing guide!