Dear all the wonderful people who wrote to respond to this problem.
Thank you so, so much, especially Sven for all the help. I followed your advice, And ran Trend-Micro House call, it found all the viruses.  Then I re-installed AVG and set it in motion, and used Ad-Aware and Spy-Bot.  All clean, then rebooted, and cleaned again, all clear!
Only a couple of side effects, in the overall long run, I had to uninstall and re-install SP2 for XP.  The mess created by the virus had messed up that specifically.  No problems (and I say this with amazement!).
There are one or two holdovers.... Firstly, I installed AVAST at some point before the whole clean up job, and now I CANT GET RID OF IT.  It wont let me uninstall from Add/Remove Programs, or get rid of it off my taskbar.
As well, The program Adobe Photoshop Album Starter Edition 3.0 gives me a "There was a problem opening the catalog named "My Catalog".  Then, "[Microsoft] ODBC  Driver Manager Data source name not found and no default driver specified".  An thoughts?
Thanks again,
Dianne

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