I let Avast delete the infected files because they were all either in a restore directory or else buried in a temp directory.
BUT NOW!!! I don't know if this problem was caused by trojan-gen or something else but if any of you consider yourselves to be XP experts, try this for size:
I have a computer with XPHOME and when I boot it, I see the XP screen, I see the login screen but when it gets logged in, all I see is a black screen with a mouse cursor. I can CTRL-ALT-DEL and get the task manager and run programs from it but I can't run explorer.exe. I can see explorer.exe but when I try to run it, I get "Windows cannot find the file C:\windows\explorer.exe." I can make a copy of it as XPLORER.EXE and that program will run! I can rename explorer.exe to explorer.com and it will run! If I then try to copy nodepad.exe to explorer.exe, I get "The system cannot find the file specified." Something, somewhere, is not letting me run anything named "explorer.exe". I can't even figure out how I would do that if I wanted to. Any ideas?