FLRAILMAN thanks for the response! I read reviews on Amazon, before buying, about the manual being complicated or missing things... but then others said it was a breeze setting up. The manual is not overly complicated but I think it is missing things or not clear on some things.
Well to make a long story short I did finally figure it out... here is what you do to add a frequency (if your getting ERROR)
Press SCAN then click HOLD. Keep clicking it till you get to an empty spot in your bank... then click FUNC and THEN Pgm button... now on the screen you should see PGM a channel number and a empty frequency... if so continue and begin typing your frequency you wish to add. When your done press E/Pgm and it will add it.
The manual, at first glance, appears to provide this same approach but it leaves out important steps which will get you an error at the end... I think the issue is that unless you follow these steps it is trying to add the frequency in a pre-configured band and if the frequency your entering does not match it will give an error. Since following the above steps (found from just playing with it) I have had no trouble adding all the channels I need. Now I got my local Fire dept, the Oneida county Fire/Ems dispatch and Police dispatch in priority on my first bank. That is my primary use for the scanner. So now that I got that figured out I am very pleased with the actual unit. It does the job very well and IMO has a very good reception even at long distances. So I am very pleased.
Thanks again FLRAILMAN for the links... much appreciated!