well,
do you have files you want to access? One way I know of getting around the password, is to reinstall XP over the existing installation.

Do you have a copy of your XP Home CD? Is it a full Os or is it a restore CD from a company like Sony, Compaq, HP, etc???

If it is the full retail Home version, I think you can put it in the CD drive, reboot, and (if your BIOS is setup to boot from CD) you can boot the PC into the XP Home installation, and overwrite the current windows setup. Remember this will not erase your programs, your files, etc...
But it may get rid of your IE favorites, contacts for outlook etc.. if you have any.

Other than that, if you have the funds, there is a program that will recover the password for you.. it is rather expensive, and i'd only recommend it if the data is valuable and you need it right away:

http://www.winternals.com/products/r.../locksmith.asp

Hope that helps! And welcome to TZ! Look out for others who post here, as they may offer some better advice than what I have given.