XP logon problem

When starting my computer, it gets to the log on screen and then tries to "load personal settings" and stops.
Does the same thing in safe mode.
Any suggestions? Can I run chkdsk from command prompt?
I tried "administrator" as user name and don't have the password.
This is my own computer, not on any network. I never new the password for administrator.

 

Just don't type anything in the place for a password...see what happens

 

I tried that and it just sits there "loading preferences".

 

I tried to reinstall Windows XP Pro, but it hangs on 27 minutes left. Tried several times.
Everytime I try to reboot, it keeps trying to complete the install and hangs at 27 minutes left.
I am guessing a bad spot on the hard drive. Any other guesses????Virus?????

Guess I will just have to use the drive as a slave to get my data.

Is there anything else I can do.