I didn't see anything in the local user or local security policy either. I did find

http://support.microsoft.com/default.aspx?scid=kb;en-us;318714

This details the 'net user' command which may or may not work w/o a domain, the documentation is not clear. Alternately you could use Windows 2000 help and search for 'net user'. The final description is listed in the Command Reference.