Try restarting in safe mode, and see if you are able to get more details. I think I know which virus you picked up and it is nasty! I worked on a friends computer over an entire weekend - the end of it was I had to remove his HD, and install it into another computer to scan it.... If you get the exact phrase of what the taskbar message and program name says, you can google it and get the help you need, but you will probably have to do what I did and install it into another computer...
As far as the account thing, it seems like the virus has gotten hold of your admin privleges to keep you out.
The active desktop thing is not an issue right now, its there, but your system is messed up, thats why its showing. Dont worry about it right now.
Once you get everything sorted, dont disable your antivirus! Use AVG free and Avast when you want to scan online. There are lots of good spyware progs you should be using too, such as Spyware terminator and spybot
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