loading terrain data freezes at 36%

My terrain data loading bar freezes at 36% every time. I replaced the ini file with one from Ed Truthan but it still freezes. I only get about 3 diamonds filled on the ini screen. Any ideas on where I should be looking would be appreciated. I have a 6 Megabit AT%T internet connection.I have also replaced the fsx.cfg file and it still froze. I have disabled every Symantec antivirus service i can see in Services. Thanks again