AV & FW will not block CD from running as it's a local application, it would only block communication outside of the local machine and so would not effect it at all.
In my links there is the untouched 3.55 server files, they are all set to 127.0.0.1. Download them and change nothing about the files, make sure you extract to your C: so that all locations point to C:\Mud3\. If these files don't work then you have a system fault.
Now another thing that I need to ask, what version of Windows XP are you using. As certain variants of windows XP don't work and won't work.
As for others getting involved, try and read the whole thread first cause clearly you have a inability to read and see what you've written has already been written. IE: Game3G doesn't create 0 Stats, this is Netchecker not loading correctly.
You also can't load CD without HolleyDBSvr, it's a pointless task to try as CD isn't talking to DB without it and you can't run HolleyDBSvr correctly without LoginSvr.
But as I said download the untouched3.55 files and don't edit anything and try the server, as I know these files work without editing them.