OKay Athlon 550 owner steping in...
(puts on Mr.Kewl tone
) Ok man I have a Athlon 550...( I just have a Soyo K7VIA mobo) I know its a slot A version because you described it as a cartridge.
Soo..You either have the AMD chipset OR the Via chipset on your Gigabyte mobo ( wish I new which one), I went to the gigabyte site but somethings up with it...
Anyway with either chipset (AMD's or the VIA KX133) you will be lucky if u reach 120mhz ( its VERY RARE) FSB, I can only reach 111mhz which is considered very lucky as its stable. Even if you have pc133 memory it will not help as the chipset is the bottleneck on the FSB, BUT on most motherboards there is an option to enable 133mhz on the memory only. This will help with the AGPs access to the memory, since it has direct access to it thus helping out memory to video card memory operations and vica versa. Now the cpus run reasonabley cool..i never go above 36 C, even before I modded my heatsink with 2 huge fans pushing more than enough air. Also it helps alot to remove teh plastic caseing from the AThlon cpu as heat builds up bewteen the cpus PCB and heattransferplate. And since teh 550mhz Athlons were classics there cache mem chips are not built into teh cpu like the thunderbirds (yes there was a Slot A version), teh classics chips are located on the PCB and they need cooling as well. But not as much as teh cpus core.
here is how u remove the Athlons caseing.
http://www.thetechzone.com/articles/how_to/athlon_case_removal/index.html
Also if you look around you may be able to find a GFD (Gold Finger Device) which makes it possible to change the multiplyer to increase speed ( though it is limited of course) I have been unable to find any..i was going to get one from
http://www.k7oc.com but if u go there u can see they are not taking orders anymore.
Well if you need anymore info let me know.