Thanks Steve, so perhaps my compulsiveness to develop and wash my negs to perfection has bitten me in the a*#. It feels like there's a life's lesson in there somewhere...
I just spoke with a museum conservator and they gave me the best procedure for this (and that if the mold was there too long, then the negs are toast - which is what you said, PinRegistered). Here's what they said: "The supplies necessary are Isopropyl alcohol (91 %), Latex gloves (or Nitrile), particulate mask and a very smooth cloth or cotton swab that will leave no residue. Test an old piece of film first to see if the emulsion reacts with the alcohol. Then put on the mask and gloves and proceed to dip the swab in the alcohol, squeeze out the excess alcohol and gently swab over the area of the negative with the mold. The technique is to very gently swab over the negative in a circular motion, not rub. This process will not only remove the surface mold but deactivate it."
So, if anyone has this issue in future - this sounds like good advice.
Thank you APUG members for your willingness to lend assistance, much appreciated!