In essence, without the XP disk, there's not much you can do. If safe mode didn't work, if the admin account has no access, I dun't know how else to fix it.

I'd say get on a public or friends PC, and get yourself a copy of the XP startup disks.

http://www.microsoft.com/downloads/d...displaylang=en

That link above gives the disks for XP with SP1 installed.

Hope that helps.