*SOLVED*
Thanks for the help but it was neither one.
Apparently the WindowBlinds desktop enhancer was disrupting ugm somehow and disabling it fixed the problem.
I didn't suspect it at first because I've used the WindowBlinds about a year now with no problems like this.
Well, you live & learn.  Sometimes..

Just upgraded from ATI x800 pro -> nVidia 7900 gt.

When I start ugm at 1024*768 or 800*600 resolution the lower part of the screen goes off the monitor (about 1cm), in both windowed and fullscreen mode.

I found out that if I change any of the graphics settings and return to main menu the screen is centered properly.

How can I fix it so I don't have to change settings back and forth everytime I start playing?
I'm new to nVidia so it might be a simple setting thing.