accounts get locked out

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  I need set Account Lockout to 0 so that only an administrator can unlock an account.
  Account lockout threshold to 3
  Reset account lockout counter after   . . . . . I can't set it to 0 because it does not let me so I put it in 30 minutes. If I leave all thse settings, whe I create a new user and then go to control Panel- User Account icon, my accounts get locked out (but the administrator builtin account and the user I currently logged on as)
  
  Please help. Do I have a corrupted Win XP installation?
  
  
  I have Win XP Pro 64 SP3
  
  Thanks
  
  

  Thursday, March 18, 2010 7:27 PM