Visit www.angusj.com for an explanation. There is also an explanation in the 'help with particular puzzles' forum under the "stuck, any ideas' thread. I wrote that post but I think the one at the website above is better or at least more concise.
I wonder if XY-wing could be explained in the following way: If value Z MUST be filled in exactly one of two given cells then every 3d cell that looks at both of these two cells cannot contain Z.
The first two cells do not necessarily share a house.
The link contains a good description of an xy-wing but I thought thomas asked for an explanation for an x-wing. (A little off topic maybe.) That might have only been a typo on his part, in which case my suggestions are irrelevant and yours are appropriate.