For those who are interested in the whys & wherefores, I was trying to run MS Outlook...things locked up and I had to reboot. Maybe should have done a restore at that point but wasn't thinking clearly, just panic-stricken. Here are some links that helped me:
Lots more out there...appears it's fairly common. Today I tried to run scandisk and even it won't run. Just sits there. Sigh... So folks, keep your backups current and be aware that things like this can happen...especially, it seems, with Vista.
Till next time - keep on rollin',
Froggi/Donna