setting the default directory on Windows startup

[Alan Barton]

I'm a new user of emacs on Windows, although I have some experience on Linux
OS versions.  When I open an emacs session and select 'File' -> 'Open file'
, my directory tree starts looking in 'c:\emacs\bin\' when I would prefer
that it start looking in my 'c:\home' directory.

I found the variable 'insert-default-directory', but this just seems to be a
toggle switch, and does not allow me to input the name of a new default
directory.  I'm aware that I can simply 'cd' in to my working directory each
time I open an emacs session, but I'd like my sessions to automatically 'cd'
to my working directory on startup.  How do I go about doing this?

Thanks for your assistance.
                                 -Alan Barton
                                  abarton@coas.oregonstate.edu