OK, found the answer in a posting by tx:

mount -o dev /dev/hda5 /mnt/hda5; chroot /mnt/hda5

seems to do the trick- not sure what the difference is?

However, WinXP boot loader still doesn't work, even now that I have the new boot sector, the XP Boot loader hangs, I assume my lilo.conf settings must be wrong.

Yuck- long way...

Thanks,
Andi