Earl, seeing that your a guitarist - ever wanted to figure out what the chords are in a Midi File? You could print out the score using NoteWorthy or similar but if you're like me that's a fairly painstaking porocess.
Download WinJammer Pro shareware from www.soundtrek.com and it will do it for you. Select File/Import Midi. Then select Tools/Chord Recognition and then follow the menu. PLease note that this program simply reads the actual chords that the person who sequenced the Midi file placed there in the first place. It doesn't guess or use algorithms to calculate what the chords might be. If the chords sound good, then that's what you'll get - if they're excrement then it will faithfully display them as well.
Because a lot of Midis are sequenced by keyboard players you may find that some of their chords have an extra note thrown in for colour (it's pretty easy for them to add an extra finger to chords here and there, intended or otherwise). You'll need to use your judgement whether the extra effort is worth it when playing guitar/Banjo for folk tunes. On the other hand the chords used in jazz tunes are often the bee's knees and well worth replicating.
Regards, John