I want to prevent a series of files from being opened by a User.

In most instances the user would dbl click on a file to view its contents. For example an .mdb or whatever other format he is curious about.
 
The "application" I need, will monitor an open file request in the OS ( XP, Vista, 200x ) and check that against a list of file names loaded from either an encrypted mdb or xml file. If the file is forbidden, the request to open it will be rejected.

The solution I am looking for is a "program" that "monitors", and prevents the action at a system level, not registry tricks. Thanks.