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Okay to see if it's truely locked up you need to get a socket that fits the crank bolt( I think it's a 17 or 19mm) and see if the crank will turn at all. If not the the engine is locked up. If it doesn turn then you probably have a bad starter.
Usually an engine will lock up if a crank rod breaks, the head gasket fails and the cylinders fill with water (if the car overheated) or it runs out of oil and seizes.