What is a heavy load? Top is reading 3.97 right now. Let me know thanks.

From an old discussion about this:
http://webhostingtalk.com/showthread.php?threadid=5663&highlight=top+AND+load

And see cpervia explanation on this, and in summary:

[Fraction of Capactity] = [Load Average] / (1 + [Load Average])

where fraction capacity is the capacity your server is running (100% meaning the server is running at full capacity). So, if you Load Average is around 4.0, then your server is running at 80% capacity. I don't know whether this is high or not, some severs runs at much higher than that. My own server's load average has never gone above 0.03 which means my server is only running at 2.9% of its full capacity...

How much memory do you have on the server?

cheers,
:beer:

CGIs are what genreally drive those server load numbers up. If you hit Shift-P, top will put the processes using the most CPU resources at the top of the list (you might also want to hit i to hide the idle processes).