thanks for the info. just went outside to check and the fan clutch is loose. water pump is not leaking, felt tight, alt. bracket is good, harmonic balancer looked fine, ac clutch is fine, but belt is a little loose. I used a piece of wood to listen since I don't have a stethoscope, but it seems like the only noise maker is the fan clutch. I guess the next step is to replace that and adjust the valves. I also forgot to mention that the car may not be as low mileage as I thought. The odometer/speedometer doesn't work so who knows when it quit. this is going to be a beater car anyway so it really doesn't matter. If I can get the smoking to a manageable level, it will be fine for a farm/drive to work car.