For W98, if you create the bootdisk from within windows, you will need to go here to download the newest version of FDISK.EXE then copy it to the bootdisk, allowing it to overwrite the older version. This way you will have support for larger harddrives.
FDISK LIMITATION WITH 64GB DRIVES:
Why does FDISK not recognize my disk (or RAID array) which is larger than 64GB?
There is a bug in Microsoft's FDISK under Windows 95B, 98 and 98SE that can be corrected by downloading a newer version. See Knowledge Base Article Q263044 for more information. http://support.microsoft.com/default.aspx?scid=kb;EN-US;q263044
When you use Fdisk.exe to partition a hard disk that is larger than 64 GB (64 gigabytes, or 68,719,476,736 bytes) in size, Fdisk does not report the correct size of the hard disk.
The size that Fdisk reports is the full size of the hard disk minus 64 GB. For example, if the physical drive is 70.3 GB (75,484,122,112 bytes) in size, Fdisk reports the drive as being 6.3 GB (6,764,579,840 bytes) in size.
NOTE: This hotfix is not designed for 48-bit logical block addressing (LBA) hard disks, and it is not supported on hard disks larger than 137 GB. However, even if the drive is physically larger than 137 GB, if you create partitions smaller than 137 GB, this FDISK.EXE version will work correctly. (THE FORMAT COMMAND WILL SHOW THE DRIVE AMOUNT IN DOS TO BE OFF THE MARK, BUT WILL BE CORRECT WHEN YOU GET INTO WINDOWS ITSELF)
Direct English Version download:http://download.microsoft.com/download/Win98/Update/8266R/W98/EN-US/263044USA8.EXE
This package installs the updated Fdisk.exe to the Windows\Command and Windows\Options\Cabs folders, on a computer running Windows 98 or Windows 98 Second Edition. If you are starting a computer from a Windows 98 Startup Disk in order to partition and format the hard disk, you should copy the updated Fdisk.exe from the Windows\Command folder to the Startup Disk, replacing the original Windows 98 or Windows 98 Second Edition version of Fdisk.exe on the Startup Disk.