Thanks Joe!
Worked like a charm!
I had backed up a friend's laptop using Acronis, and had opened the image in R/W mode so I could change permissions and get into the User folder. The laptop was taking forever to process the permission change (it's pretty old), so I cancelled out. I deleted the 2nd image file that was created so I could start from scratch on my PC, but apparently that 2nd image file needs to be present to reopen the original image... Doh!!!
Rebuild Tree got it back!