Nokia updater was definately doing nothing, so I stopped it all, pulled the battery out and restarted the phone.
On restart it was in "as out of the box" mode.
After backing up my phone from my PC, all seems to be in order. I've lost all the installations (worldmate, expenses and all that **bleep**), It's no problem as I only used Adobe Reader and Zip manager and they are easy to reinstall.
All appears well (famous last words)and it seems I have the latest firmware version.
2.0618.07.10
31-08-06
RM-10