<< Ok, maybe on the lower end, but since I can't get DSL or cable, how much do you estimate a 245kbit/sec frame relay connection would cost? >>
How far are you from the local CO?
It would be less expensive to get an ISP that allows multilinking of POTS dial-up accounts. Then multilink 3 phone lines (yeah, the cost of 3 phone lines, and a ISP that allows multilinking (special rates required) with always on access is not cheap, but certainly less than the cost for Frame Relay (not to mention the equipment costs, learning curve of provisioning and maintaining your CLE). A 128K - 384K frame relay could run anywhere from $300-$1600/mo. Check with your local phone company and local ISP's. Their sales people will be happy to provide rates.
If 3 POTS lines were multilinked [Windows 2000/XP recommended for ease and reliability, 3 USB modems with built in controllers and DSP recommend. Multitech and Zoom make these type of external modems. USR only makes them internal, which is not recommended because of all the IRQ's], the bandwidth you might expect should be around 150K (depending upon what speeds you reach with your current CO distance and ISP). Cost of 3 phone lines ~ $60/mo, special multilink account $40/mo + each dial up $15/mo X 3 = $45. So you might see $145/mo not counting equipment costs (like 3 USB modems with built in controllers and DSP's), to multilink 3 POTS for approx 150K download and 100K upload. Of course, you can always use less phone lines and link with just two accounts if you so desire.
Of course if you are within the ISDN range, 2x-IDSL may be better (bandwidth wise) and if multilinked with the right CLE and ISP. (2x IDSL ~ 228K upload and download). Costs: about $140-180 per month.