Okay guys I’m stumped on this one, let me present the details in the hopes someone can guide me in the right direction…

1. Clients XP Pro machine had a fatal motherboard failure. 
2. Username and Passwords were established for all family members that used this machine and the “Keep personal folders private” option was used.
3. I removed hard drive from dead machine and installed it in a USB enclosure.
4. I can now navigate the drive and manipulate all OS and public files.
5. Files in the \Documents and Settings\username tree generate “F:\Documents and Settings\username is not accessible. Access is denied”
6. I noticed in the properties for this drive as USB the [ ] Make this folder private option is UN-checked.
7. I do have the usernames and passwords for all accounts on this machine, this is not a hack attempt.

What I’ve tried so far:

1. Created a shortcut to the folder and attempted to invoke “run using different credentials”, but that option is grayed out.
2. Create user acconts with same usernames and passwords on the new host computer and logged in with those credentials to access USB drive.  Same failure as noted in #5 above.

Good karma to anyone that can help me on this one!  Thanks.