After type in user name and password, the screen shows "loading personal settings....." and then immediately log-off automatically and back to the "ctrl-alt-del to login" page. Help!
It sounds like the account you are using probably has a corrupt profile. Are you able to log in as the administrator account, rename the profile of the account you are having problems with, and try logging in again.
If you're not able to do that, you may be able to do it over the network using the admin C$ (or whatever drive letter your profiles are stored on) share, or failing that maybe booting into safe mode or from a recovery disk (something like ERD commander) and doing the same thing should work
I'd first suggest to try this:
If your original HD boots fine, the ghost process disrupted the MBR of the new HD.
Boot from a Windows 98 Startup disk with your new HD as the main HD and run
Source: here (please read replies to the original thread - it worked for some people)
It is also possible that is caused by a malware. I cannot yet add links (not enough reputation...) however here is what it's said:
If your is like mine, it was infected with malware which during a virus scan & clean, the inituser.exe file was somehow deleted from the syste32 folder.