My macbook is stuck on wallpaper and cursor, no icons

SInce one week my laptop is running slow.

When i started up my laptop (Macbook Snow Leopard OS X 1O.6.8) today, I only got a blue screen.

I managed to solve that with single user mode.

After restarting, it asked for login, which it never does.

After login, only wallpaper and a moving mouse pointer appears. Nothing else.

I tried:

disk utilities, but no problems found

PRAM reset...

safe boot

but nothing helped.

I don't have the install disc with me, but which one could be helpfull: the one that came with the computer or the Snow Leopard disc?

Or there ways to solve the problem without disc?