Find File Default Directory

[Andrew Baine]

I just installed emacs 21.3 on Windows XP.  When I first start emacs
and find file with C-X C-F, the directory "C:/bin/emacs-21.3/bin/"
shows up in the mini buffer.  I'd rather it defaulted to
"C:/usr/home/".  I already have the environment variables HOME and
EMACSDIR set to "C:/usr/home/".

Thanks in advance for any help.

Andrew