Don
Windows 98 and Windows XP are completely different operating systems in terms of files structures etc.
98 runs on a dos platform
XP has it's pedigree in NTFS or New Technology File System.
If you want to install 98 then you need a boot disk from
Bootdisk.Com get the one containing a ramdrive.
You can't get a 98 boot floppy disk off your XP machine even if it's running under a FAT32 system.
Like I have said, to install 98 you will need the 98 boot floppy disk and a 98 cdrom.