it's not the board that has the problem, it's the A64 memory controller, which is on the CPU. Winchesters and newcastles can only handle 2 sticks at DDR400 with 1T command rate. With 3 or 4, you drop down to DDR333 and 2T command rate, bringing pretty big performance hits. If you upgrade to a venice core (rev E0), then you should be able to run 4 sticks at full speed in your existing mobo. Just bite the bullet and grab a gig of ram - Newegg has a couple of choices for under $100 - kingmax, mushkin, and Corsair, i believe.
Also, i second the Chaintech. While there are better nforce4 Ultras out there (DFI, MSI), they run you up to $50 more. Chaintech is the only company to have a sub-$100 Ultra board, a price point that was supposed to be reserved for non-ultras, which lack SATA-II, sometimes overclocking options, hardware firewall, etc. And you can run dual channel. Chaintech uses slots 1 & 3 for channel 1 and 2 & 4 for channel 2, so dual channel is made for slots 1 & 2 (or 3 & 4). If you get the board, though, make sure you get the 02-03-2005 bios, cause the version 1.0 shipping bios blows monkey nuts.