...I only get about 40mbps transferring to my Maxtor 3200 usb external drive...
Do you mean 40 MBytes
per second? If so, that's about the maximum rate you're ever going to see from USB 2.0. Sure, it's raw data rate is said to be 60MByte/sec, but protocol overhead and/or poor chipset implementations seem to cap it out at no more than about 40.