I've spent a great deal of time and money on trying solve the problem. I went to my computer dealer (HP) and had THEM partition/ reinstall etc...etc... even went the mbr route. I had them install clean OS files from their master disks and didn't transfer any files before going to work. Came home to the same old, same old problem. (I suspect a neighbor as the hacker, an "ex" burglar who's found something new to break into, he's quite computer capable but with the hacking programs available, even I could hack someone if I was so inclined!) There are no "non-dos" partitions on the computer, that's been checked and verified, and all of my program files appear to be legit. I have so much "anti=hack" software at this point, I could open my own store! And I change all of my passwords weekly and make really good ones mixing upper/lower, numbers and symbols when allowed. I store NOTHING in the computer anymore and carry sensitive information on my person when I go out. Do I sound paranoid?????
So this was good advice, but been there and done ALL of that. Still, it will probably help someone else who hasn't gone that far yet! By the way, The Cleaner ([program) gave me a clean bill of health, which confirms that my problem is caused neither by Trojan or worm but by a snake in the grass!
Thanks again! Ta Ta