Upgrading hardware but is it worth it?

Right now im running a M2N68-LA mobo with phenom 9500 quad core 2.20 ghz 3 gigs of ram 9800 gtx oc vista 32 and L227wtg and im lagging most games on low settings on native resolutions. Will upgrading my vid card fix that or should i save cash for a new pc. 200 dollar price range is what im hoping on vid card as well if anyone has any suggestions

Ya i know a bit about cards but im just worried that my mobo or lack of ram is causing my lag issues over the vid card. i mean my montior is running native at 1600x1050

bump for reply :)

bumping again i was thinking 260 but is mobo my bottleneck or is it my card or ram?

yeah i dont understand it. everygame i play lags or glitches. from dragonage to borderlands and so on i get spikes and turning down all my settings in native resolution still shows them. perhaps its time for a reinstall