the best way to look at this I think is to at first relate what should happen.
You are on XP - Yes /No
You have the camera software loaded Yes/No.
If you are on XP- the camera when plugged into the computer will be recognised as external drive in My Computer. Open the drive and you will see the photo folder from the camera -NO CAMERA SOFTWARE NEEDED.
This software can be and often is a stumbling block.
If your are on XP and the Camera software is loaded.
Remove the Camera software and let Windows do the work.