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There is another account that doesn’t appear and that is ‘the administrator’ account, although you didn’t say what version of XP you have I’m guessing Home ?

http://windowsxp.mvps.org/admins.htm
http://www.theeldergeek.com/missing_administrator_account.htm
http://support.microsoft.com/kb/321305
http://support.microsoft.com/kb/290109

[b]MORE INFORMATION[/b] The Administrator account is not displayed in User Accounts unless the computer is in Safe mode. To change the password for the Administrator account: 1. Click Start, click Turn Off Computer, and then click Restart. 2. After the computer completes the Power On Self Test (POST), press F8, and then click Safe mode.

NOTE: If you have difficulty getting to the Safe mode menu command, press F8 repeatedly after you turn on the computer.
3. Log on as an Administrator, or with another account that has Administrator permissions.
4. Click Start, click Settings, click Control Panel, and then click User Accounts.
5. Click the Administrator icon.
6. Click Create a Password or Change my password.
7. Type a password for the account, and then retype the password to confirm it.
8. Type a hint to help you remember the password in the event that you forget it.
9. Click Create Password or Change Password.

If not, I have the Pro version on my logon I press Ctrl+Alt+Del twice I get a blank logon, I enter Administrator in the account name and the same password for my ‘only’ other account mine. If you haven’t set a password for your main account that will probably be the same, leave the password blank.