Your description sounds like you did a "Clean" install, instead of upgrade.
If that's the case then all personal data and applications were wiped from
the drive. To verify, look in the Program Files folder (Show Hidden), if
you don't have parent folders for Quicken/Intuit and Microsoft Office then
you overwrote your previous install of 9x.
Normally, an upgrade preserves and migrates all that and also makes a
uninstall back to your original OS. If you did overwrite 98, your options
are limited.
Hopefully, you have your personal data backed up or a System image
of your machine before the upgrade.