Quote:
I've got about 3-4 anti-virus programs
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If you mean like McAfee and Norton, your computer is probably screwed. It's a definite no-no to have more than one antivirus program installed. If you're counting programs like Adaware/Spybot S&D, then you're okay.
Second, have you defragmented your hard drive recently?
Otherwise, it's probably like SJ said, too much crap loading at start-up.