If your system came pre-installed with XP then you should have either the XP cd or recovery disks that came with the system.
If you don't, well then we just opened another whole can of worms.
In regards to image disks from some manufacturers formatting in fat32, you can convert the file system after the fact. While this isn't my preferred choice, you can do so by using disk management. (start|run diskmgmt.msc)
