Cobol run time library not installed - Insufficient Memory

I have read posts with similar error messages to the one I am
experiencing, but none with the additional 'Insufficient Memory'
problem.  I have tried most suggestions (FORCEDOS, etc.) with no
success.  First, a quick overview:
Every year we are sent an updated version of a Cobol program to run for
statistical reporting.  We receive the program in source code, compile
it, and run it.  This year the executable fails at run time with the
'Cobol run time library not installed - Insufficient Memory' message.
The source code was compiled (without error) using Micro Focus 3.4, and
the executable was created using the 'XM COBOL' command.  The source
code is compiled on a Windows 3.0 machine, and then the executable is
sent over to a Windows 2k machine to run.  We run a lot of Cobol
programs, all of which are compiled and run as previously described.
Last year's version of the program runs correctly.  Deadlines are fast
approaching, so does anybody have any suggestions?

dspearing@sualum.com wrote:

> 'Cobol run time library not installed - Insufficient Memory'

If you are not using XM to run the executable, it is possible that
there is not sufficient memory to run your program in real mode.

> using Micro Focus 3.4

You can compile the program as a Windows 3 console mode program (rather
than DOS) and static link it to the run time.  This will allow the
program to use up to 16 Mb RAM.
Or just run it using XM.

FORCEDOS XM programname ...