java.lang.NullPointerException at java.lang.System.arraycopy(Native Method)

I have build up mifos.war file from its '.svn' file avilable online.
With great difficulty i have reached at its login page .But now i m getting the following error:
java.lang.NullPointerException
at java.lang.System.arraycopy(Native Method)
at org.mifos.framework.security.authentication.PasswordHashing.verifyPassword(PasswordHashing.java:51)
at org.mifos.framework.security.authentication.EncryptionService.verifyPassword(EncryptionService.java:65)
at org.mifos.application.personnel.business.PersonnelBO.isPasswordValid(PersonnelBO.java:769)
at org.mifos.application.personnel.business.PersonnelBO.login(PersonnelBO.java:679)
at org.mifos.application.login.struts.action.LoginAction.login(LoginAction.java:80)
at sun.reflect.NativeMethodAccessorImpl.invoke0(Native Method)
at sun.reflect.NativeMethodAccessorImpl.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(Unknown Source)
at java.lang.reflect.Method.invoke(Unknown Source)
at org.apache.struts.actions.DispatchAction.dispatchMethod(DispatchAction.java:274)
at org.apache.struts.actions.DispatchAction.execute(DispatchAction.java:194)
at org.mifos.framework.struts.action.BaseAction.execute(BaseAction.java:73)
at org.mifos.framework.struts.action.MifosRequestProcessor.processActionPerform(MifosRequestProcessor.java:227)
at org.apache.struts.action.RequestProcessor.process(RequestProcessor.java:224)
at org.apache.struts.action.ActionServlet.process(ActionServlet.java:1194)
at org.apache.struts.action.ActionServlet.doPost(ActionServlet.java:432)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:717)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:810)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:290)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
at org.mifos.framework.security.util.LoginFilter.doFilter(LoginFilter.java:85)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
at org.mifos.framework.persistence.DatabaseVersionFilter.doFilter(DatabaseVersionFilter.java:39)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:233)
at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:175)
at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:128)
at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:102)
at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:109)
at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:263)
at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:844)
at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:584)
at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:447)
at java.lang.Thread.run(Unknown Source)
4 Mar, 2008 2:50:17 PM org.apache.catalina.core.StandardWrapperValve invoke
SEVERE: Servlet.service() for servlet Controller threw exception
javax.servlet.ServletException
at org.apache.struts.action.RequestProcessor.processException(RequestProcessor.java:523)
at org.mifos.framework.struts.action.MifosRequestProcessor.processActionPerform(MifosRequestProcessor.java:261)
at org.apache.struts.action.RequestProcessor.process(RequestProcessor.java:224)
at org.apache.struts.action.ActionServlet.process(ActionServlet.java:1194)
at org.apache.struts.action.ActionServlet.doPost(ActionServlet.java:432)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:717)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:810)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:290)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
at org.mifos.framework.security.util.LoginFilter.doFilter(LoginFilter.java:85)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
at org.mifos.framework.persistence.DatabaseVersionFilter.doFilter(DatabaseVersionFilter.java:39)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:233)
at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:175)
at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:128)
at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:102)
at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:109)
at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:263)
at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:844)
at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:584)
at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:447)
at java.lang.Thread.run(Unknown Source)

=================
This error i get when i enter username AND password for login.
Pls help as i have to start working on customization of the software at the earliest and i m not able to get into this application.

Thanx in advance

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