I'm using W2K, I have not got Win 98 infortunately, well I'm not really clued up, but I should imagaine all your data is still there, just getting at it. Can you not go to >Control Panel/Users-Passwords and make the PC open to anybody. In the W2K version there is a box to check for either user password protected or open to all. If you make it open to all, that will allow you to view any data on the PC I would have thought.
Anyway do not fear there are some clued up people on this forum, it's just Xmas day is the worst time wish for a responce, one will be along shortly.