<< Ok then. how do I format my hd? or is this given as an option during installation? >>
If you have a 98 boot disk or can boot into your win 98 CD, they both have the format command in there. In the boot disk, all you do is while you're in the dos prompt just type: format c:
If you use the win 98 CD, make sure your bios is set to boot from CD ROM first. Load the disk in, restart and when it asks you if you want to boot from hard disk or CD, choose CD. The next menu should be something like:
Start Windows 98 Setup
Command Prompt with CD Support
Command Prompt without CD Support.
Choose Command Prompt with CD Support. I forget if it places you in the CD ROM Drive when you;re in the dos prompt. anyway, if you're not in the CD Drive, change directories to it. now go into the win98 directory. if your CD ROM has drive letter D then it would look like this: D:/ cd win98
Inside this directory, you'll find the Format.com program. now just type: format c:
Also like Vadatajs said, if you're current setup is fat16, i think the if you just start the 98 setup program, it might ask if you want to format as fat32. I don't remember. Anyway if it doesn't, follow the above methods.