Download THIS, burn the software in a CD and boot from this.
Go to Password tools, Active Password Changer, scan your drives, select the drive and user, uncheck and check again the tow X that the window show you. Reboot the PC an try to log in again with the same user BUT without password.
First, don't post the same freaking thing 4 times!
Second, on Windows 98 you just click Cancel and you get logged in.