Sorry you're having this difficulty.
However, the Topic itself creates a bit of a dilemma.
The first considerations are to use any other UserAccount that you may have available and know the password for.
If that is not an option…..
Microsoft makes it plain and simple…. Logon passwords are there for a reason, specifically to keep out unwanted users.
Microsoft does not provide any "workarounds" since doing so would defeat the whole purpose of passwords and allow anyone to gain access to private useraccount information and/or swipe a computer and start using it as their own by replacing passwords.
http://support.microsoft.com/kb/321305
The much respected Kelly's Korner provides a few more steps, but also holds to the notion that passwords are there for protection and should not easily be tampered with.
http://www.kellys-korner-xp.com/win_xp_passwords.htm
I am not aware of any malware that would have caused this problem.
Malware writers do not want your machine to stop working.
In fact, they want the owner/user to continue naively accessing there network and the Internet, in hopes of harvesting useful information from the machine, or using the machine as a zombie for their own nefarious purposes.
__________
If this is legitimately your machine, it is more likely that someone with physical access to your machine has directly caused your problem, or a prankster known to you has sent you a file in hopes of causing you this difficulty.
You may be faced with needing to use data recovery methods to save any important files and folders that you may want to preserve, and then reinstall your legitimate copy of XP operating system, along with all the service packs and updates and any/all application software you have previously used.
Sorry I don't have a better answer for you.
Best Regards,
Doug