I also have a Cannon BJC-4200 printer with a maximum print quality of 720 X 360 dpi and am using Windows 95. After having tried adjusting many settings on my computer, printer and the scanner, I am not satisfied with the product. At this stage, I am very confused. Scanners have become household appliances, but there's still a fair amount of science you need to know to get great results. First of all, you shouldn't attempt to do any scanning on an under-powered computer.
Pictures require lots of storage space and a fair amount of memory processing.
If you're having trouble with memory errors, increase the amount of available space on your hard drive. Windows is probably running out of space when it tries to create a temporary file while processing the image. You don't say what you're dissatisfied with, but I bet it's the image quality. If you're expecting photo quality output on an inkjet printer, you're going to be disappointed. If you're scanning a picture at 600 x 600 dots per inch and printing it on the printer you have mentioned, you're going to get a print-out at only the maximum resolution of your printer.