I had this situation before, where I had to install XP again into a different windows directory since repair did no good. Since you're an Admin on your newly installed XP OS, take Ownership of the files you've restricted, e.g. go to the properties of the folder thats named with your own name, then take ownership of it (hidden away in the advanced settings) and tick the box where it says to apply to all child objects (it applies ownership of all sub-folders - if any). After a while, all your folders should be accessable to you