Well, I'm the affected party. MUKid posted for me while I was beating my head against the wall earlier in the day.
The problem came about when I tried to format C: for use in XP with NTFS formatting. The formatting created an error and stated that it needed to install to another drive because C: may be damaged (which it wasn't). So, I exited the install and went to DOS to see if formatting the drive (which at this point was still full of data) in DOS would help the XP installation. What I did realize is that when XP was unable to format C:, it became unreadable to DOS. SO, Dos assigned my other drive (D: with all of my valuable files) as the "new" C:.
So, without realizing it, when I typed "format C:", I was actually formatting my old D: and in the process deleting all of my critical files.
This is when the head beating began.
I reformatted C: and XP installation was fine then.
I downloaded GetDataBack as linked to above and it worked perfectly. I identified all of my old files on my old D: and I was able to restore them and carry on as if nothing had happened, well except the $69 charge for the program, a charge I feel is well worth the excessive pain I was going to feel when my wife got home.
So, all is well I guess. Without that program I would have been up a creek.
Just thought I'd give an update to the group.
Thanks for everyone's help,
Chris