Heh, my fastest loss was in a turn or two. Anyone ever play the large world map that comes with Civ III? Well it seems every single gosh darn freakin time, South America is the place I always start off at which sucks. Anyhow, when you start out in South America, there is a small-stacked barbarian village exactly adjacent to your settler and worker.
So you either have to build your city exactly right there which you wind up losing some gold because it's ransacked, or you have to lure them away with your worker while your settler can build in a safe spot. It sucks since I prefer scouting a couple turns before placing my cities and then that worker is useless for a good amount of turns until I can run back into my city once a real unit is built.
- N