Dan, yes, I am running 1903, installed 4 October 2019. There may be a connection, or poor interaction with anti-virus, or.....
So far, this is the ONLY application that has a problem.
Ages ago, I had a problem with Quicken. When I would request a backup to be performed, DropBox would detect that the file was closed and begin to back it up. Almost simultaneously (but a bit later), Quicken would attempt to open the file again to perform the backup. And, Quicken would crash. Every. Time.
If FTN95 does something like DropBox/Quicken, then maybe there is a smoking gun here. But I would imagine that opening/closing/opening a listing file would not be done. And, the folder that contains the listing file is not one monitored by DropBox.
Will still look for a solution.