This could be a virus but maybe not. Have you recently D/Led (maybe automatically) Windows Internet Explorer 10.0? This has buggered up many people's PCs. With IE 10 I have seen BING Desktop load and the default loads a different usually beautiful background image each day. I would try to boot in safe mode and find out if IE 10.0 has tried to install itself. If so I would uninstall it and see if will then boot normally. If that doesn't work I would roll it back to a date just prior to the problem. As always, make sure you have a decent antivirus program and use it's automatic update feature to make sure you have the latest virus definitions.
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