Run the Task Manager, go to View/Select Columns, and turn on the following
columns: "I/O Read Bytes" and "I/O Write Bytes." This will give you details
as to which process is accessing the disk.
Although many processes will be accessing the disk, look for one with a high
total or a fast rate of increase, especially when you hear the drive being
accessed.
One further suggestion regarding Task Manager stated by Ron Martell:
In the Processes tab if you click twice on the column heading for any
column then the list will be sorted in descending order based on the
value for that column. This helps to identify which processes have
the highest values for any given item.
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All the Best,
Kelly (MS-MVP/DTS&XP)
Taskbar Repair Tool Plus!
http://www.kellys-korner-xp.com/taskbarplus!.htm