Gatsby

Hi there ! I have troubles getting XP loaded....it freezes when I enter my password as administrator...after that nothing happens...and the page with the big title : Loading your personal settings..simply doest not load the rest...Is there a problem with the software ? is it a virus attack ? what about reinstalling XP on XP, do all programs vanish from the HD ? Could anyone of you shed light on this s***ty situation please!! Thank you Gatsby