Daily automatic virus scan of entire system - AVG 7 registered.
AdAware SE 1.05 and Spybot 1.3 prior to any internet banking session (so its at least once a week).
PC used for dial-up internet connection also has TDS-3 (Trojan Defence Suite) registered version and ZoneAlarm Pro registered version.
Cable internet via a router that has NAT. Confirmed my systems are stealthed by running Gibson Research security checks.
Switched from Internet Explorer to FireFox too.