Hi, thanks for your reply.
I've found the source of my problems :)
Was booting computer earlier (not literally although it was close) & same thing was happening, got past the post & welcome screen, desktop wallpaper came up minus the icons & taskbar. So I opened up the task manager & noticed 6 instances of svchost.exe which I found odd. checked on the web when it finally decided to load up as to what this process actually did & the site I consulted stated that apart from the usual microsoft process this could sometimes be malicious software used by hackers to gain personal information from my PC.
This alarmed me (obviously) so I got to thinking that maybe my zonealarm security suite wasn't picking up certain threats. Then I downloaded kaspersky internet security suite, installed that & uninstalled zonealarm and hey presto!!! Computer zips through start-up no problem now so I can only assume that for some reason Zonealarm was somehow causing my system to hang on load-up. I did know beforehand that Zonealarm slowed down the startup times of PC's but not to this degree. I had no other anti-virus or anti-spyware installed & still don't so not quite sure why it would behave this way.
Long way for a shortcut I know but it worked thankfully :)
My Motherboard drivers & BIOS are current & up to date incidentally, I use MSI live search on a weekly basis & check most of the others manually at the same time. In case you're still interested the CPU usage was 0 on both cores when this was happening, at most it would go up to 3% for a second or so, until it decided to load up obviously. In all it would take around 2 minutes from the desktop appearing to taskbar & icons appearing and the programs to load (antivirus, cordless desktop manager, sound controller, etc)
Again thanks very much for your quick reply.