Virtual Memory

Have some PC’s that have 64Mb RAM.
Every so often users are getting the error message, that the PC is running low on memory, and will need to be re-started, the users generally don’t have a lot of problems open, maybe 4 at the max.
I have looked at the Virtual Memory settings and the minimum is set to: 0, and the maximum set to: No maximum. PC’s are running Windows 96 with 10GB hard drives, and recommendations arrpriciated, or a nudge in the right direction.