Monitor Problem

Ok, I have a StarLogic Plug and Play Monitor and a FX5200 video card. I leave my Pc on all the time, and this morning I woke up, turned the monitor back on and the screen is at 640x480, and when I try to cahnge it back, It says I do not have administrative rights to do that or something. (Yes I am an admin on XP) and this just started happening today. What is weird though is when I restart my computer the regular resolution (1024x768) just come back automatically when I log in.. wtf is happening here, and anyone know how I could resolve this?

This seems to happen when the screensaver is on for more than like 10 - 15 minutes, I notcied when I move the mouse to get out of the screensaver, there is a longer wait time before the picture shows up.

 

Where did the screen saver come from? Is it a Windows Screen saver or one that was downloaded from the web or else where. Sometimes graphic programs need to change the resolution to work right. Sometimes they have little programs in them that do this with out your permission too! Run your virus scan and spybot S/D.

 

It's the default Windows XP 3D Flowerbox Screensaver. I have also had this for like 6 months now with no problems. I have already ran AVG, Spybot S&D, HijackThis!, all with most current updates.