There are two related issues: (1) reading files from the camera, (2)
processing images after they are on the hard drive.
XP has generic support to read from most digital cameras as if they were
small hard drives. Just plug the cameria into a USB port and in less than
30 seconds a new hard drive should appear in windows explorer. Copy files
from that hard drive to anywhere else you want.
As for processing images, most camera come with some special software,
sometimes proprietary, sometimes "lite" versions of a major product like
Photoshop. Such software may not be compatible with XP, although a win2K
version does have a good chance of running with XP.
But, realize that you do not need their software. Instead, you can use
other software. I happen to like Paint Shop Pro, and some swear by
Photoshop. Then, there are several free packages you could try, like
IRFANVIEW, PAINT-dot-net, and FRESHVIEW:
http://www.irfanview.com/
http://www.getpaint.net/index.html
http://www.freshdevices.com/