This is actually a typical issue since Windows 98SE does not come with complete support for your hardware. The issue is well discussed at http://www.usbman.com but let me share the short version.

1. Latest machine BIOS.
2. Drivers for the motherboard.
3. USB 2.0 drivers from who supplied the 2.0 items (hint: usbman.com)

If you don't then a crash on boot is typical.

bob