iexplore.exe error & file access denied

I just reinstalled XP and am getting these errors when using IE normally (XP SP1, Windows Updates, IE 6):

Faulting application iexplore.exe, version 6.0.2800.1106, faulting module ntdll.dll, version 5.1.2600.1217, fault address 0x000081bd.

The application, C:\Program Files\Internet Explorer\iexplore.exe, generated an application error The error occurred on 08/06/2004 @ 07:35:57.203 The exception generated was c0000005 at address 77F581BD (ntdll!RtlAllocateHeap)

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Also, the event log is also showing lots of entries resulting from: "Access is denied." These are files on my c: drive...

I also copied a backup file of MS Money onto the D: drive (2nd partition of main hard drive) and it gives me this error:

Money cannot locate 'c:\...filename...' or cannot open it, possibly because it is a read-only file or you do not have permission to change it or your drive is write protected.


I can get the properties, and it's not in use or a read-only file. help???

Message Edited by jeffdenman on 08-06-2004 05:38 PM

**UPDATE 8/8/04**
I created a test.doc file in Word XP (logged in as an limited account which I updated to admin privlages) - and now I cannot delete it. When I tell it to delete, it pauses for 4-5 seconds, then gives me this error: Cannot delete test.doc: It is being used by another person or program."

I'm the only one logged in, and word isn't even open. This sounds like a similar problem that I've been having with the money files (above).

Please help!!!

Message Edited by jeffdenman on 08-09-2004 12:21 AM