Well I figured it out, and the solution was very bizzare, but at least it worked. And I'll post what I did just in case someone has a similar problem or could figure out why this happened.
As I mentioned I tried all the normal scanning for viruses, adware, spyware, etc. But I knew I needed a utility program that actually showed what was going on with the hard drive in real time. The Windows Task Manager processes list is just too long and obscure to tell me what was going on.
So, I finally found some freeware called Filemon
http://www.sysinternals.com/Utilities/Filemon.html that shows a running real time list of what programs, files and directories are using the hard drive. What I discovered was kind of strange....
(Below is a sample of the print out, these lines actually went on and on and on, probably close to 100. Note that vsmon.exe was the file that was reading this file)
12706 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 851968 Length: 32768
12707 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 884736 Length: 32768
12708 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 917504 Length: 32768
12709 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 950272 Length: 32768
12710 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 983040 Length: 32768
12711 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 1015808 Length: 32768
12712 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 1048576 Length: 32768
12713 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 1081344 Length: 32768
12714 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 1114112 Length: 32768
12715 5:49:10 PM vsmon.exe:1800 READ D:\aatemp\HOMEDESIGNSUITEPLATINUM-1-WIN-US2.EXE SUCCESS Offset: 1146880 Length: 32768
I have a directory on my computer to store downloaded files, mostly consisting of EXE setup files. There was one for a Home Designer software that I paid and downloaded (no warez) from the companies site. I discovered that the hard drive was looking at that file, over and over again, along with a couple of other EXE setup files and just bogging down my computer for about a minute before anything else happened.
I burned all those temp files to a DVD, deleted them, and now everything is running very quickly and smoothly.
I just don't understand how a setup file in an obscure directory on my D drive "D://aatemp" would be accessing the hard drive. But there you have. That little utility program finally saved me from weeks of intense frustration.
thanks again for your advice,
Leee