|How large is your profile; have you a significant number of junk files (temp, temp-internet, cookies etc...)?|
Have you cleaned out the junk in your profile?
A large profile can take a while to load...; even more so if it's spread over the drive... rather than reasonably contiguous ...?
Junk and assorted temp files etc. do frequently bulk up a profile... with the result often as you have now...
Have you also defragged the drive lately?