XP Passwords unexpectedly assigned to user accounts

[Amy]

I have a laptop with XP on it. I normally turn it on and
it goes right to the desktop. Suddenly it is taking me to
the XP logon screen and asking for passwords. I have never
assigned any passwords to any accounts. I can't get in to
XP. I found an article that says to search setupact.log
file for a line that says "password for username is
xxxxx". I went into the recovery console and looked
throught the log for this line and its not there. I have
looked through the directories and see my files, but have
no way to get to them. Is there any way to reset the
password on my user account? Is there any way to copy my
files to a zip drive? I've tried to logon to the
Administrator account and can't. I didn't set a password
on it either. I've tried Safe Mode too. I've tried control
alt delete at the XP logon screen and can't get in that
way either. Surely someone else has encountered this
problem and has been able to copy the files without having
to reinstall XP and lose all information. Any help would
be appreciated. Its like the user account "Amy" has a
password on it and its driving the whole thing, even over
taking the Administrator account.

Thanks,
Amy