Slow Loading in Windowed mode

To save me having to go put debug messages in my code, maybe someone can give me a quick answer:

When I start my game in Fullscreen mode, it takes 5-10 seconds to load.. when I start in Windowed/debug mode, it takes nearly a minute. I'm using ResizeImage() once during this load, could it be the culprit? Is it an exlusive-mode nuance?

Windowed and debug modes do take longer to load than fullscreen. As for whether the resizeimage is holding it up, I don't know. What size are the images (before and after scaling)? If one of them is big, I'd go for that one. I don't know for sure, though.

Its a 300x300 going to 640x480. I could diagnose is more accurately if I wanted to, but I mostly just wanted confirmation on my suspicions. Thanks.