Pat
I assume you are speaking of an Excel XP file(*.xls)
Just save it as an Excel workbook file. Versions back to Excel 97 should have
no problems with it.
Note: you could save it as a combinination of newer and later versions but
this increases the size quite a bit and makes loading slower.
See File>Save As>File Types for combo saves.
Windows 98 is an Operating System ans has nothing to do with Excel, other than
Excel is an Application running under Windows.
Perhaps you meant to say Excel 97?
Gord Dibben Excel MVP