I have the same problem.
If you have a multi core, then perhaps this article can address your issue -> http://www.pdsys.org/blog/post/2009/02/07/Fallout-3-VideoDisplay-Freezes-sound-keeps-going.aspx
This did not resolve my issues, but it may resolve yours. FO3 is the most buggy game I've every played, and it gets worse the longer you play. Good luck. Next time you try and post something for help, put your specs up and you load order.