From what I can see, you can follow the Bios route of having the Linux HD as the first boot device, but to access windows just use LILO (LInux LOader) to be able to boot the win95 OS, instead of going into the BIOS all the time
. You had better make sure that you look into the file /etc/lilo.conf first, and make sure you know what is going on and that the way it is setup will allow you to load both OS but then all you have to do is issue the command lilo as root then your away.
If you are not sure how to use Lilo, have a look at the Howto at:
It is very good document and one which should provide plenty of useful info.