it's generally not possible to diagnose a virus problem by symptoms or
filenames... if you think you have a virus, scan your drive... if you
think you have a virus your scanner doesn't detect, try a different
scanner or send a sample suspect file to an anti-virus developer for
analysis...
Might be the Sumom C virus, a right little bugger, comes through msn, even
in safe mode it will be active.
See if it has put these dummy files on your C drive:
Death of crazy frog!.pif
Hot babe!.pif
Really Cute.pif
My piccy.pif
Bungee-****.pif
I_love_you.123greetings.com.com
Paris Hilton Sex Tape.pif
Shoot Bill Gates!.exe
Best_Friend.scr
lol Busted Are Gay!.pif
Saddam Song!.pif
Me at the Beach!.pif