XP's Firewall isn't very good and I would look at using something else. Vista's and Windows [email protected] firewalls are better. I run MSE, Windows Firewall and Malwarebytes (free) on my Vista laptop. I think if I was doing on-line banking on the laptop then I would add a different firewall. MSE has received some good reviews. Kaspersky gets slightly better reviews as does Norton 2010. I've got Kaspersky on my desktop (initially I got it free with my on-line banking).