There is a graphical, mouse enabled & password protected (if you want it) boot loader available free on the net. Look up www.xosl.org.
Download the small Windows XOSL115.ZIP file & unzip it to a directory of your choice.
Make a bootable DOS disk, then copy the entire contents of the XOSL directory to the disk.
Here's the catch. Xosl can only be installed to a DOS FAT16 or FAT32 partition. I'd suggest making a small dedicated partition at the end of your drive, approx 50Mb to use as a dedicated partition for Xosl. The partition will have to be bootable, so when you format it, copy the Windows 98 system files to it. You'll need to be careful if resizing a Windows XP NTFS partition as this can cause windows to break if it's not done right. The best tool for the job is partition magic, but it's not free & the demo version only manipulates a folder on your HDD without making any real changes.
If you don't have a suitable system to make bootable floppy disks, look for "The Ultimate Boot Disk" on the net. The Win98 version has programs that are much older & it is restricted to hard disks up to 8.4Gb Search for Ranish Partition manager if you want an updated version of the drive partitioning tool used with this disk set.
After booting into DOS from the FDD, type in install & follow the prompts. After a reboot, enter the setup screen to add the various partitions you want to boot, you can even give them a name of your chioce & choose a default boot partition. The result is a clean, password protected graphical boot manager that can & will sit in front of any OS you choose. I have heard it can boot from any partition on any drive connected to the IDE bus as well, but I haven't tried that yet.
Try it, you'll be highly impressed, I was & I'm an ex-reseller.