athlon xp 2600+ 4500.
athlon xp 2800+ 6500.
asus nforce2 for about 5000.
ram would be around 5000.
if you have to play those games, you'l need a Dx9 card for good gaming.
the most basic one is fx5200 for about 4000(depending on brand).
you could the fx5700 as well. some brands sell it at about 10000. or even less. but there is a problem here, coz some makes scale down the chip and memory clock. so you may get an ultra edition and something like LE (presumable light edtion, or whatever) but it is less powerful.
digit had reviewed Gainward 5900 ultra recently ... which costs about 14000. now this is seriously worth it. you can skip on processor speed and buy 2600+ ( it performs close to 2800+).
if you are buying p4 then you need to rethink your budget. coz they are expensive. besides clock speed to clock speed, p4 can't beat an athlon xp in any benchmark. also photoshop is optimized for athlon xp as well.
a better option would be to consider 256 mb ram and then upgrade another 256 later. as you can save enough to squeeze in the fx5900ultra. simply bcoz upgrading ram is a lot less cheaper than changing your card.
don't forget to upgrade your power supply. happy upgrading