C++: LoadImage() Function crashing WinXP HELP!!! [HALF RESOVLED]

[Halsafar]

My game has been working on all machines until late.
I decided to impliment a neat title screen, looks really good. Works on my WinMe comp just fine.

It crashing instantly upon calling my self-written LoadBMP function on a WinXp Sp2 machine. I debugged the hell out of it and I know it crash's once it hits a function which calls my LoadBmp function a few times...

Could someone look over this and tell me why Xp would not enjoy it:

//-----------------
//Create Dx7 Surface from DC
//-----------------
LPDIRECTDRAWSURFACE7 DDSurface7::CreateSurface(LPDIRECTDRAW7 &DD, char* FileName, BOOL UseSystemMemory, int TransCol)
{
    HBITMAP                 hbm;
    BITMAP                 bm;
    DDSURFACEDESC2         ddsd;
    LPDIRECTDRAWSURFACE7 Surface;
    long                 Width, Height;

    HDC                     hdcPicture,    hdcSurface;
    DDCOLORKEY             ddckColourKey;
    DDPIXELFORMAT         ddpf;
    
    RECT            rTemp;
    //Load up the file
    hbm = (HBITMAP)LoadImage(NULL, FileName, IMAGE_BITMAP, 0, 0, LR_LOADFROMFILE|LR_CREATEDIBSECTION );
    
    //Size up the object
    GetObject(hbm, sizeof(bm), &bm);
    Width = bm.bmWidth;
    Height = bm.bmHeight;
    
    ZeroMemory(&ddsd,sizeof(ddsd));
    ddsd.dwSize = sizeof(ddsd);
    ddsd.dwFlags = DDSD_CAPS;
    ddsd.dwFlags = ddsd.dwFlags | DDSD_WIDTH | DDSD_HEIGHT;
    if (UseSystemMemory)
        ddsd.ddsCaps.dwCaps = DDSCAPS_OFFSCREENPLAIN | DDSCAPS_SYSTEMMEMORY;
    else
        ddsd.ddsCaps.dwCaps = DDSCAPS_OFFSCREENPLAIN;    

    ddsd.dwWidth = Width;
    ddsd.dwHeight = Height;

    //set up our blt rect
    rTemp.right = Width;
    rTemp.bottom = Height;
    
    //Create a blank surface
    DD->CreateSurface(&ddsd, &Surface, NULL);

    //get a new DC
    hdcPicture = CreateCompatibleDC(NULL);

    //point the picture to the new DC
    SelectObject(hdcPicture, hbm);


    Surface->GetDC(&hdcSurface);
    StretchBlt(hdcSurface, 0, 0, ddsd.dwWidth, ddsd.dwHeight, hdcPicture, 0, 0,
               Width, Height, SRCCOPY);

    Surface->ReleaseDC(hdcSurface);

    //Sets our transparency--Black(1), Magenta(2)
    if (TransCol==1)
    {
        ddckColourKey.dwColorSpaceLowValue = 0;
        ddckColourKey.dwColorSpaceHighValue = 0;
        Surface->SetColorKey(DDCKEY_SRCBLT, &ddckColourKey);
    }
    else if (TransCol==2)
    {
        Surface->GetPixelFormat(&ddpf);
        ddckColourKey.dwColorSpaceLowValue = ddpf.dwBBitMask + ddpf.dwRBitMask;
        ddckColourKey.dwColorSpaceHighValue = ddckColourKey.dwColorSpaceLowValue;
        Surface->SetColorKey(DDCKEY_SRCBLT, &ddckColourKey);
    }

    //Clean up the DC's and STDPicture objects
    DeleteDC(hdcPicture);
    DeleteObject(hbm);

    return Surface;
}