Thank you for your help. It appears I finally removed the virus.
Here's what I did. Please don't try this as I am no expert but it worked in my case (I got lucky)
Numerous Mcafee scans in safe mode did the same thing. McAfee said it removed the virus but it was right back on the next scan.
Also, a SUPERAntiSpyware detected nothing.
I went to the registry and modified the userint entry by deleting "c:\WINDOWS\system32\oembios.exe" to make the entry just "C\WINDOWS\system32\userinit.exe" to make that computer match what the entry looked like on my laptop (which is virus free).
Then I renamed that registry entry to OLD. That worried me but after a reboot there was a new userinit entry which contained only "C\WINDOWS\system32\userinit.exe". The OLD that I renamed was still there and also contained just "C\WINDOWS\system32\userinit.exe"
I also downloaded Mcafee Rootkit Detective and ran it. I terminated all of the import/export hooks that pertained to the NTQueryDirectoryFile.
After a reboot the computer started up the way it used to pre-virus with my user name (it was starting up with no user identified) and a new Mcafee scan finally reported no virus.
Again, after 2 days and alot of research and scans by different programs, I got lucky.