Targeting “My Documents” folder…

When I am working on my new laptop (Toshiba Satellite) on Windows XP Home SP 2, in my MS Word 2003 program, and I want to save my work, I click on File, Save As…and it brings up My Documents for “All Users”. I would like the folder that comes up to be C:\Documents and Settings\Meri\My Documents…NOT C:\Documents and Settings\All Users\My Documents. Is that possible and WHY does that not happen automatically?

Thanx for any help anyone can give me and if you need any further information, please let me know.