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Note If you have not created a password reset disk, and you have also forgotten the password for all user accounts, you cannot log on to your existing Windows installation for security reasons. This information applies to starting Windows XP typically, to safe mode, and to Recovery Console. In this case, you must perform a "clean" installation of Windows XP, re-create all user accounts, and then reinstall all your programs.
Microsoft Support Pageok basically unless you know someone with xp as well that can create a password reset disk for you, your gonna have to format your computer and install everything again

i read that you can just do a clean install of windows and then copy your files that you wanna keep to disk or what ever, but it will fuck all the prgrams so it would be in your best interest to do a clean install after a format once those files are copied