Alright, here's what may have worked. I tried my wind. xp disk, reformatted HD with it, it still continued to reload, so, I finally tried set-up options, reset the bios to original (might have screwed that up myself to begin with), then manually recognized the 3.5 in set-up options, put the win 98 startup disk in I had made earlier, and I finally got the windows xp set-up page (welcome to windows xp!!) I will finish the install out and hope it works just fine. I don't really know what I did wrong, but at least I learned what to look for. The start-up disk site was very helpful. I will also run the hutil.exe at next startup to ensure nothing is wrong with the HD. Thanks very much!!!
