Load balance 2 adsl connections on Cisco 1841

[dooahhdoo]

Hi,
I have a problem and not sure what I am doing wrong. The router connects to both ISPs fine, if I ping an IP address from the router it returns all packets as expected. When I connect two laptops with ip addresses of 192.168.10.2 and 192.168.10.3 with the gateway as 192.168.10.1 I get internet access but it is extremely slow. Throughput is around 2KB/second on both laptops.
What I am trying to acheive is load balancing across the two independant links but suspect it maybe something to do with NAT on the FE0/0 Interface?
Also, is there a way to check if a link goes down the router will know this and not send traffic down the dead link?

Here is my current config :-

version 12.4
no service pad
service timestamps debug datetime localtime
service timestamps log datetime localtime
service password-encryption
!
hostname Cisco
!
boot-start-marker
boot-end-marker
!
enable secret 5 {removed}
enable password 7 {removed}
!
no aaa new-model
no ip source-route
ip cef
!
!
!
!
ip name-server 8.8.8.8
ip name-server 8.8.4.4
!
!
!
!
!
!
!
!
interface FastEthernet0/0
ip address 192.168.10.1 255.255.255.0
ip nat inside
ip virtual-reassembly
duplex auto
speed auto
no mop enabled
!
interface FastEthernet0/1
no ip address
ip nat inside
ip virtual-reassembly
shutdown
duplex auto
speed auto
!
interface ATM0/0/0
no ip address
no ip redirects
no ip unreachables
no ip proxy-arp
load-interval 30
no atm ilmi-keepalive
dsl operating-mode auto
!
interface ATM0/0/0.1 point-to-point
no ip redirects
no ip unreachables
no ip proxy-arp
ip virtual-reassembly
no snmp trap link-status
pvc 0/38
dialer pool-member 1
protocol ppp dialer
!
!
interface ATM0/1/0
no ip address
no ip redirects
no ip unreachables
no ip proxy-arp
load-interval 30
no atm ilmi-keepalive
dsl operating-mode auto
!
interface ATM0/1/0.1 point-to-point
no ip redirects
no ip unreachables
no ip proxy-arp
ip virtual-reassembly
no snmp trap link-status
pvc 0/38
dialer pool-member 2
protocol ppp dialer
!
!
interface Dialer0
description dialer to ISP1
ip address negotiated
no ip redirects
no ip unreachables
no ip proxy-arp
ip nat outside
ip virtual-reassembly
encapsulation ppp
no ip route-cache cef
no ip route-cache
no ip mroute-cache
tx-ring-limit 3
tx-queue-limit 3
dialer pool 1
dialer-group 1
ppp authentication chap pap callin
ppp chap hostname {removed}
ppp chap password 7 {removed}
ppp ipcp dns request
!
interface Dialer1
description dialer to ISP2
ip address negotiated
no ip redirects
no ip unreachables
no ip proxy-arp
ip nat outside
ip virtual-reassembly
encapsulation ppp
no ip route-cache cef
no ip route-cache
no ip mroute-cache
tx-ring-limit 3
tx-queue-limit 3
dialer pool 2
dialer-group 2
ppp authentication chap pap callin
ppp chap hostname {removed}
ppp chap password 7 {removed}
ppp ipcp dns request
!
ip route 0.0.0.0 0.0.0.0 Dialer0
ip route 0.0.0.0 0.0.0.0 Dialer1
!
ip dns server
!
ip http server
no ip http secure-server
ip nat inside source list 100 interface Dialer1 overload
ip nat inside source list 101 interface Dialer0 overload
!
access-list 100 permit ip 192.168.10.0 0.0.0.255 any
access-list 101 permit ip 192.168.10.0 0.0.0.255 any
dialer-list 1 protocol ip permit
!
!
!
!
control-plane
!
!
!
line con 0
line aux 0
line vty 0 4
password 7 {removed}
login
!
scheduler allocate 20000 1000
end