Hi,
I think Marcus_A has pointed out good question. Are you sure DB2 is the problem? What kind of application are you using? Are you using WebSphere Application Server? If so contact WAS admin to check out how connection pooling is set on WAS! If connection pooling is not set to process all 20 or 21 users at time, there could be bottle neck at WAS. Please write more info about your application and how does it connect to DB2.
I suggest you to download "DB2 Monitor" tool from
http://members.tripod.com/chuzhoi_files/index.html it is freeware. It requires Windows on client (I assume you are using Windows workstation) and any of Linux/Unix/Windows on server. Download the version of you DB2 Client - if you are using v8 client then download version 8, not version 9! The version you have on client execute command db2level.
Then from Monitor menu select Locks and look if there are any locks on system.
Then go to Monitor | Application and see if there is something suspicious. Right click on window and select Show lock dependencies. On right site of the window there will be displayed all application dependencies.
There are a lot of other options. DB2 Monitor is just a good GUI tool to get all the info you could get from "db2 get snapshoot command", but this command will produce text based interface which is little bit too much for beginner.
Hope this helps,
Grofaty