That is definitely a truncated jpg. Only the first part of the file went out or came back. The Virus could have whacked your registry. If you only reformatted but did not fdisk then Microsoft has hidden a copy of the old registry in the zero sector of the disk outside the format. It will call this registry back when you reinstall windows and load back the same errors. The problems the virus caused could still be present. If you just formatted, scandisk should have run first automatically. If it didn't you could be saving data to bad sectors and every time you reload the data it's gone. I had Bellsouth and they had client web mail on their homepage. If your provider has something similar you can use their html page to send emails through your account. You can send yourself an email with a photo attached through the html page. This will bypass your computers email software. You can then read this email using the same html page. If everything is all right it means your connection, account, and provider are good and the only problem is with the mail program settings in the registry. The next part is tricky. It involves backing up your saved mail deleting the program, wiping the registry entries, reinstalling the email and reinstalling the saved mail. See if you can find a web email page on your provider first. If it works you can go on to the next step of repairing the email programs.