Jimmy, - I had not seen you're post at 8:58(server time).
But on my own I had (again) deleted all from remoter server and local machine. Re-downloaded, renamed and then uploaded and went to index.php ... and ..
got the same error.
Here's a screen shot of the db (as Neilo asked) and a shot of the beginning code in the admin/user_login.php file.
I could edit the files myself but it seems there are several and I am not sure if I'd get them all.
So, from my original post last week, I've gone from a permissions issue to something else -- getting worse here.