Make sure that the local user account has full access rights to the jboss_home directory (and its subdirectories) and to any other directory that your apps need access to (in case you are using some external directories).
Also, what version of Windows are you running - anything later than Server 2003 will have addtional security constraints.
Local user account has all required rights, my OS is Windows XP
>>Local user account has all required rights,
If that were true then you would have access to the file (just like the admin account has access, as you indicated in your original post). You will have to turn on some Windows security/file logging to determine exactly what is going on and why the access is disallowed - note that this is purely a Windows configuration issue and has nothing to do with JBoss AS or Java.
One thing you might try - log into Windows using the same account used by the service. Then run Jboss AS from the command line and see if the file can be accessed. If it can, then you will need to ask a Windows security expert as to what is going wrong.