Blimey thats a bit of a pickle!!!
Well to answer your question plainly and simply....If you are using Win98 then this will only read FAT32, nuff said.
Windows 2000 I think will read it and XP onwards im sure will read it. I know this works due to USB storage keys being a FAT32 for flexibility and my machines all use NTFS on XP and read it fine.
Hope this helps
Urban Kaos
November 2007