Account disabled on single account laptop

Good morning everyone,

I have a toshiba laptop running XP. After boot up, I am prompted for
my password for my account. After I enter my password, it starts to
load my personal settings and then I get a User Environment dialog box
that displays for 30 seconds. The text says

"Windows cannot load the user's profile but has logged you on with the
default profile for the system.

DETAIL - Logon failure: account currently disabled."

If I click the "ok" button, I get a blank error dialog box with an "ok"
button. If you click on that, it just prompts for the user password
again, and the cycle starts over. (the same thing happens if i just let
the 30 seconds run out).

This user's account is the default account (so she says) and there
aren't anymore accounts that we can use to try and login.

Any ideas other than reformating?