I personally believe and hope that Neo is not a program.

How would a non-human, a program, be able to experience love. Seraphone(not a program) longs for love because she hasn't had it in a long time. Merovingian, her other half, obviously isn't showing her love right now, (which is why she longs for it) however he used to. She did say that Neo is alot like him.

I believe Merovingian was once 'The One', maybe in the first matrix, or second, and so on. Then, he was able to experience love, but now, that he is a program, he can not do so. If Neo were to follow the paths of the previous 5, he would probably end up a program similar to Merovingian.

To sum it up, all the 'programs', The Oracle, Merovingian, Twins, Agents, do not show an emotion for love. While all 'non-programs', Morpheus, Seraphone, Trinity, Neo, Niobi, Lock, do.

Maybe, maybe not. Who the hells knows......we all act like we will uncover the story before Revolutions come out.....it is fun tho....