Hi SaintSmitty,
Malware doesn’t survive a reinstall- it may well be a false positive detection of a legitimate file.
Please submit the file detected as the Delsim dialer to VirusTotal:
http://www.virustotal.com/en/indexf.html
If avast! cannot remove banker.bkl (have you tried a boot time scan, if applicable?) try DrWeb CureIT!, AVG Anti-Spyware, or an online scan with F-Secure, Panda or BitDefender.