What I think you need to do is to get your hard drive into a machine that is running windows XP.
It looks as if you have converted the filing system from " fat32 " that reads in windows 98 to "NTFS " that’s reads on windows 2000 and XP.
If you know of someone with XP, you need to take the drive out of your computer, alter the jumper settings on the rear of the hard drive and attach it to a XP computer.
Then all of your important data can be transferred to the XP machine.
The XP machine could then format your hard drive to fat32. It could also place a partition on your hard drive, so all your important data could be re-installed.
You could then replace the hard drive, move the jumpers, into your machine and re-install windows 98.
That way you could save your data.