There's a file called "boot5zones.bat" (if you using nt/2000...otherwise use "boot5zones.win9x.bat") In this file you enter the IP address that you want people to connect to in order to connect to your zone servers. If you edit this file in notepad (or your favorite text editor...please tell me it's not MSWord), it tells you exactly how this is done.
The only file I put "localhost" in for an address is the db.ini.
Also...you have to use an IP/domain name address that all your clients can see and resolve....DO NOT use a hosts file alias (if you dont know what this is, nevermind, and stop reading this post because I am not going to explain how this is done).
I tried setting up a "hosts" file entry to simplify tasks if my IP changed, but I found out it sends this name to the clients and if they didnt have the same "hosts" file entry, they couldn't connect.