Use F8 at powerup and boot safe mode with networking.

Get out your OS CD and Run from a command prompt (DOS windows)

SFC /SCANNOW

See: http://www.networkclue.com/os/Windows/commands/sfc.php

I also suggest you download and run spyware software (like SpySweeper from webroot.com)

If your unable to see icon's and or the start bar, then explorer.exe is likely not running. Open task manager and go to File... new task and type
explorer.exe  or if you need the full path try C:\WINDOWS\Explorer.exe
Iexplore.exe will open IE, and you can use it to browse your HD as well if explorer is being killed.

You can actually use word to browse the internet also, go to file and open, and type
http://google.com and word will load google as a page, and if you type in the search line and click search, you should see a google page.
-rich

thanks everyone for your help!  I was able to recover from this virus with your help.  THanks again!!!!

Additional comment may help someone, maybe.

Using the above Experts's recipe I was able to get rid of smitfraud and lots of other malware, it took ages but thanks.
If you want an Anti-Virus tool that will get rid of it quickly and you don't mind paying for it, the only one I found that could remove it was Xoftspy, do a google search to find download site. It will scan your system for free, but you can't remove unless you register, costs about $40 ??? If you do register, remember that you must install it to your hard drive in order to use the Remove Button as part of Xoftspy Application.

It does seem the best on the market at the moment.

Frankie (the wordthe)