I'll freely admit I'm a pussy when it comes to certain games. I can't handle the Silent Hills for one thing. Anyway, I specifically remember this room in Project Zero/Fatal Frame and soon gave up playing the game. There's just something about kiddy ghosts crawling along the floor that I find profoundly unsettling. Here's the room...

http://www.youtube.com/watch?v=sb1nVP6RX7E&feature=PlayList&p=37B5F9E209B0177D&playnext=1&playnext_from=PL&index=55

Go on then, scariest moments. And please for the love of God refrain from mentioning the bleedingly obvious dog-through-a-window in Resident Evil.