Hey there David and Al968 and Tech Support. Al's last post suggested Unlocker and check on Google for tools etc. I did find that unlocker wasn't good with ME so I went to Google and did a search on fservices.
Well, it appears that this has happened to others, (I really thought these things only happened to me - was I wrong?) Well one of the searches took me to a Bullguard Free AntiVirus Forum, and those who have gone through this same thing were nice enough to pass on the solution. Solution was/is to download the ProRat 1.9 program itself, extract it, and install it. When running, the prorat window that comes up has an icon you can select to remove prorat server - which I did. Received message 'server successfully removed', so I rebooted and upon reboot could see the difference right away.
I sure wish I'd have done that sooner. I googled 'services and prorat within the last couple of weeks but didn't get the results that I got with FServices.exe, woodentchanoitt?
I ran avast thru the memory scan where all this was detected before and not a thing, memory was fine.
So, thanks you guys, you guys are fine examples of how the CyberPro's should be and if it weren't for you guys, I'd have never been pointed in the right direction. Take Care and God Bless!!
-Paul