Not a ghost problem. the problem is with LT Loader

from: http://www.webopedia.com/TERM/N/NTLDR.html

To correct the problem, the user must boot the computer with a Windows 95 or 98 Startup diskette or another bootable diskette with sys.com on it. Then, at the "A:\>" prompt, type "sys c:" and press "enter." A "System Transferred" prompt should appear and then the user must reboot the computer without the diskette.