A little help on what exactly happened would help because as Narcosis stated, you might not need to reformat at all. For instance, what Anti-Virus software are you running? By the way, you said it was a dual hard drive...what is the second one used for or is it a single hard drive divided into partitions by the manufacturer?
Another thing is the question of how sure are you that it was your hard drive? I've seen problems with RAM (memory) that has caused the computer to act weird.
Lastly, boot into safe mode as instructed, and definately save your 'My Documents' folder as this is the default area where windows saves most of their stuff...MS Office and the like.
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