Graphics displaced on Win3.1 (fine on 95)

We are having a problem with bitmaps (TBitButtons and owner-draw)
where everything is working fine when we run the program in Win95,
but when we run it under Win3.1 (Workgroups) most of the bitmaps
end up in the upper left corner of the screen. Has anyone else
run into this?
It isn't the machine since we had a 16MB machine that had this
problem upgraded and then it worked fine. Could it be resources?