Just wanted to thank you, Chris for your help and suggestions. I finally am able to sync again, using MS.
Ulimately, I did end up erasing and re-installing OS X. Then I installed the Palm software. Then I upgraded to the most current OS X. I resent iSync, and stopped syncing with .Mac. I fixed permissions, and finally installed Missing Sync. Sucess at last!
I did back up all my important stuff (Backup software from .Mac was useful), and fortunately, I seem to have all my photos and music and back, intact. This was not a "pretty" week, but I did learn alot.
I also found out how much I rely on my Treo, and it's "syncablility"!
Thanks again.
Ginnie