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Thanks svaha! You saved my site!
I thought I was going to have to do a clean install...instead I just deleted the contents of the templates_c directory,except for the index file, and was able to log back in that way. The admin interface had the same message you get at start-up ("this is your first time logging in as an Admin"), but after going through that everything was fine. In Admin>Preferences section, I changed my theme, as that was what had seemed to be corrupted.
Thanks again everybody for answering...will let you know when my own site is ready!
Jeff