I believe the oldest OS to properly support USB and the mass storage (camera) drivers is win98se with rollups at
http://exuberant.ms11.net/98sesp.html .
I suggest you use a USB card reader ($20?) to xfer the camera files to the laptop. Just be sure it supports your camera's card type. This will eliminate additional software. The card reader can then be used to as a thumb drive to xfer the files to your main machine one full card at a time. Of course, if you have a thumb drive, use that to xfer the pics from laptop to home machine. When you're done, you have a card reader for your home machine.
In case you don't know, Ifranview is an excellent and efficient free photo viewer that should work as well as anything on an older machine.
If this all falls through somehow, you can still go to a Kinkos, Walmart, or a computer store and get the card xfered to CD.
Jim
Edit: I just noticed the OP is from June. Sorry guys.