As Far as I'm aware, 32 bit systems are "limited" to the amount of ram they can use, circa 3.25gb. Something to do with x86 Legacy, I think.
But kaos is quite right with his statement about using matched ram. Putting in the 1gb stick with one of your 2gb sticks will possibly cause you no end of problems with your Win7 set up. With 7 it's always best to use matched sets of Ram (Make, Size, Series, Batch etc..) and the way to do that is buy it as a set.
I'd possibly try the 1gb stick in your XP set up with one of the 512mb. And I'm only saying that because I used to throw anything (including the unknown one I found under the wardrobe!) into my XP set up and it never used to complain. Not saying that's a good practice though!
You can...