The current user account is not recognized. Restart the computer and t

I am getting this msg when i try to access USER ACCOUNTS in control panel->
The current user account is not recognized. Restart the computer and then
open user accounts
XP Home, tried repair option from CD, SAFE mode, everything i can think of.
Also when windows starts no USER icons show up so i can log on (I have 3 users setup) I can logon though via Ctrl+Alt+del (twice) then it brings up the old fashion, signon menu and i enter my userid and password to sign on.
Therefore something is wrong with my userid setup/logon??? HELP ????PLS???