the sad thing is i wrote a huge reply last night, but due to my internet being godawfully crap last night i couldnt post it! now i have lost it and must write it all over again!! GAH!!
Anyways.
First of all TEMPS!! get speedfan, let us know what your CPU and mobo temps are at. One of the reasons that your OC is unstable could well be that the temperature on your CPU/chipset(northbridge) are too high, so let us know whats happening there.
Next up if your temps are ok, which means ~30-35 idle tops on your CPU then we can try and do one of three things
1)increase voltage to your CPU mine is running at 1.48V but im running aftermarket cooling, so id recomend that you monitor your CPU temps each time you bump up voltage. id recomend ~1.4 as the max voltage to use.
2)increase voltage to your chipset, 0.1v at a time, see if this helps your stability issues. once again use speedfan to monitor your chipset temps!! dont let them get much over 55-65 degrees.
3)At 295 your talkign about a realitivly good OC on a presumably cheap motherboard, so it may be that youve reached the limit of what your mobo can handle. one way around this is to bring the CPU multiplier back up to 10, and reduce the bus speed down. Also it might pay to do some googleing and see what other people using your board have managed to get theirs up too.
Also remeber that not all 3600s get to 3Ghz, you may have simply reached the limits on what your CPU can handle ;p