It's Working, i've made a mistake by renaming initrd-2.4.20-8.img to initrd.img, i should leave it.
Now i can boot both of it, thank you sooouw much aaa....
this is lilo.conf final ;
boot=/dev/hda
map=/boot/map
vga=normal
default="windows"
keytable=/boot/us.klt
prompt
nowarn
timeout=100
message=/boot/message
menu-scheme=wb:bw:wb:bw
image=/boot/vmlinuz
label="linux"
root=/dev/hdb7
initrd=/boot/initrd.img
append="quiet devfs=mount hdc=ide-scsi acpi=off"
vga=788
read-only
image=/boot/vmlinuz
label="linux-nonfb"
root=/dev/hdb7
initrd=/boot/initrd.img
append="devfs=mount hdc=ide-scsi acpi=off"
read-only
image=/boot/vmlinuz
label="failsafe"
root=/dev/hdb7
initrd=/boot/initrd.img
append="failsafe devfs=nomount hdc=ide-scsi acpi=off"
read-only
image=/boot/rh/vmlinuz
label="RedHat"
root=/dev/hdb6
initrd=/boot/rh/initrd-2.4.20-8.img
append="quiet devfs=mount hdc=ide-scsi acpi=off"
vga=788
read-only
other=/dev/hda1
label="windows"
table=/dev/hda
other=/dev/fd0
label="floppy"
unsafe