Crazy long load times

Hello all,
I recently did a refortmat of my computer because it was acting a bit sluggish. So right now the only thing on my computer is anti-virus software, steam with one video game installed and thats it. For some reason when I load up the computer, after I type in my password to logon, it takes 10-15 minutes to load up to the desktop of windows. Also, whenever I hit CTRL-ALT-DELETE the options appear right away for task manager and etc but when I hit task manager, log out, etc it takes another 10-15 minutes to load up. I know its not the one video game cause ive had it for years. WIndows vista does have service pack 2 installed.
My computer is a GT5453h
AMD athlon 64 x@ dual core processor 4200+ 2.20ghz
3.00gb ram
32 bit OS
I've never had this problem before. Any ideas as to how to fix it?
Thanks all

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Clarification Request
There are a few causes.

From something plugged into the USB to a failing HDD.

Try HDTUNE from and see if the transfer rate is low.

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Clarification Request
After reformatting and installing Vista ...

did you install all the various drivers that came with the motherboard and peripherals such as the video card?

Not installing the drivers often is a leading cause of what you report.

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