Ok, I changed the PATH to make the XE install to go the end so, it picked up the right DLL this time, but, I still cannot connect. Here is my info.
Homes
OraClient11g_home1 (C:\oracle\product\11.1.0\client_1)
XE (C:\oraclexe\app\oracle\product\10.2.0\server)
DLLs
C:\oracle\product\11.1.0\client_1\bin\oci.dll
TNS File
C:\oracle\product\11.1.0\client_1\network\admin\tnsnames.ora
Using
Home: OraClient10g_home1
DLL: C:\oracle\product\11.1.0\client_1\bin\oci.dll
OCI: version 11.1