Xp Home Administrator right giving access to Secure folders

Hi and thank you in advance for any information you might provide.

I work in a small company with mostly XP Pro PCs but we do have XP Home
on about 4 PCs. My dilemma:

There are only two rights options for users, Administrator or Limited.
Limited is too limited but Administrator is too much. If a user is set
as a Computer Administrator he/she is able to get access to server
folders that should only be accessed by actual administrators. This
being the case, is there a way around this or do I need to actually go
in and Deny rights to those users using XP Home (what a pain but
do-able).

Also, I'm wondering if password access can be set for folders - for
example, if the Accounting Departments folder access is restricted one
user, Marsha, and Marsha is working at another PC under a different
login, is she required to log off and log back in as herself or can
that folder pop up with a password request that once entered correctly,
will allow her to access it?

I hope these questions aren't too basic for you all but I do appreciate
the time. I'm off now to finish setting up another XP Home PC for
network use via VPN - fun fun.

Thanks so much,
B

Wow, busy month and forgot to get back to this thread. I eventually got
it fixed but couldn't tell you how right now. I just wanted to take a
minute to thank you both for the advice. Can't remember what worked but
it had to be associated with the good karma you all sent my way.

Thanks again!!!
B