Phenom II 945 stability problems

I am new to overclocking cpu and have reached a wall, unfortuently. I am using TurboV to test my settings and run stability test before making changes to my Mobo and 3.21 seems to be were I am stuck. Anything much over that and I am getting a blue screen. My goal is either 3.4ghz or 3.6ghz on the processor from reading all the other people who have been succesfull with this I do not think my goal is lofty.
Here is a quick look at specs before I go further: Mobo: Asus M4A78T-E Phenom II X4 945 (arctic cooler freezer 7) 12 gigs DDR3-1600 mhz 9-9-9-24-40-2T. Okay and CPU-Z reads:

Core Speed: 3221 (3220.09)moves around a little.
Bus Speed 214.7
HT Link: 2147.2
Core Voltage 1.29

TurboV voltage on other mobo settings
NB Volt 1.10
HT Volt 1.2
SB Volt 1.2

is 12GB 2stick / 4 stick ??? and what kind massage BSOD ?

USE 2x4GB first don't mix it