Sluggish account loading time...XP HOME...PLEASE HELPPPP

I have a laptop equipped with XP Home. I have two user accounts on this system and only mine is experiencing the sluggish startups. I ran Disk Cleanup, Defragmenter, and Scandisk, none helped.

When loading the other account, the computer loads very quickly. What can it be? I heard of something called the "roaming folder", but I believe that is associated with XP Professional, correct?

What can I do now?

I went into msconfig and disabled all nonessential applications from running the background. I turned of indexing services and other nonessential stuff.

Thanks.