@AddRAM - only my current account and the Guest account, which is disabled.
Some additional information....I am using PGP Desktop so I enter a passphrase on boot and it takes me directly into Windows without the login screen. The issue I describe above occurs only after initial login on my machine when I lock and then CAD to unlock the machine. If, for example, I select Log Off, then log back in with my password, and then lock and unlock, I do not have to click the smaller icon first and then enter my password -- I go directly to the password entry screen. Bizarre, right?
I'd be inclined to say that PGP Desktop is (partily) to blame; however, this problem cropped up ONLY after I logged out of my machine and logged back in for the first time after receiving this machine brand new and re-imaged.