Thnx Steve for this tip:
I had an initial slow ssh connection. I found it was caused by a 500 meg /var/adm/wtmp file. I ran this:
/sbin/init.d/acct stop
/usr/sbin/acct/nulladm /var/adm/wtmp
/sbin/init.d/acct start
Now I ran this during a maintenence cycle so there were no people logged on. Run a man page on nulladm and wtmp.
Why would THIS cause delays to ssh????
Because file ssh_prnd_cmds runs a series of commands for randomness. One of the commands is "last." This command looks at the logins in the wtmp file. If the file is huge, it might take a while to get a response back. That delay in the "last" command WAS my login delay on ssh.