Well...I guess that I'm curious as to what makes you think that the account you enter through...is not the Admin account?
I have XP Home and I just checked my user account (there is only one account). It says "Louis" and below that it says "Computer Administrator." I don't count the Guest account (which is off).
I don't use another account since I am the only person with access to my two desktops and I don't need to protect myself against myself
I've always set up my systems in this manner, which is not the way that I would do it for others.