The first time you open a JMRI application, it has you fill in the info on the preference pane and then it stores it so it's there the next time you open JMRI.
When you read a decoder on the programming track and save the information, JMRI saves the file to the folder "C:\Documents and Settings\[Username]\JMRI\roster\". JMRI also adds that file's ID to a list in " C:\Documents and Settings\[Username]\JMRI\roster.xml".
When you create and store a panel it is also stored in "C:\Documents and Settings\[Username]\JMRI" by default. This allows the JMRI release files at "C:\Program Files\JMRI" to be updated without over writing your files.
Each program in the JMRI suite stores files for itself in various locations. JMRI provides a facility to allow you to verify where various files are stored. On the 'Help' menu, choose the option 'Locations...'. This will then open a window displaying the default locations for files, for example:
Preferences directory: C:\Documents and Settings\[Username]\JMRI\ Program directory: C:\Program Files\JMRIFor more information follow these links: Files, Roster, Network files.