I believe I finally tracked it down.

After replacing with the default template, I no longer had any pages that were timing out.
Slowly I substituted the common and css from the default template into my template.
Still had the timeout error.

Next was substituting the jscript folder...BINGO!

My website uses an mp3 player to play audio samples.
The premium-pixels mp3 player with it's jscript was causing the timeouts over the internet (not locally though)

Searching for an up-to-date replacement now.

Whew!