in order to access a printer connected to a win 2000/XP system you either need to create a user logon account on the w2k/XP system that is the same as the win 98 system logon (user name/password) or use the administrator account from the w98 system (not a good idea)
after creating the user account on the w2k/XP system logonto the shared printer from w98, when prompted for a password enter the user name/password and select SAVE PASSWORD in system option