You might be better off just restoring your computer to it's original state. System Restore can't do that though. You'll need to use another method, like restoring from a drive image, using the original restore disks, or reinstalling Windows.
Restoring your computer may seem drastic, but it may be the lesser of all evils, and save time and money in the long run. If you do decide to proceed with removal, watch out for pitfalls. Read this tale of woe so you'll know what not to do first.
Michael Horowitz of Computerworld has some good advice about malware removal along similar lines. [other alternatives]
Even when you think you have removed all the malware on your computer, it may still be harboring rootkits. Fortunately some good software for finding and removing rootkits is being developed. [more]
Be very careful where you seek help. Some ads and search results will land you at predator sites that will take advantage of your misfortune. You need something like WOT to advise you where the cyber-bandits are hiding.
Once you start removing malware, you're likely to be faced with decisions about what to remove, and what's benign.
"One of the contentious issues with spyware removal software is whether a product must remove every last fragment of a program. Certainly removing everything is better, but some fragments are more important than others, and some are just plain unimportant."
Personally, if I ever found a Trojan Horse or Hacker Tool on my PC, I would not use it any further for financial transactions until I reinstalled Windows. Cleaning it may not be good enough. You'd never know what else might have been left behind. For example, a nasty rootkit.
Suppose that you've identified the culprit by name using an anti-spyware program, but you haven't been able to get rid of it. There are special removal utilities or instructions for many of the most tenacious parasites.
One good way to start is to "Google" for the name of the parasite. An example is http://www.google.com/search?q=whenusearch+remove. You'll find instructions and even special tools to remove the culprit. Be careful though.
The instructions may tell you to start in safe mode. First, disable XP System Restore [Start > Control Panel > System > System Restore] and then reboot into Safe Mode and proceed with the removal.