I did notice something called: Nvcpl in msconfig. I googled it and found a site that said that this is probably malware. I have plenty of things in startup though called Nv something, and they're supposed to be responsible for Nvidia graphics stuff.
Maybe someone's heard of this specific problem before? I've used some of those virus scan programs, like Trojan hunter and AVG free edition, and they didn't find anything. I've never had this kind of problem right after a reformat before!