I haven't messed with 98 in a while, but I think that it's either in the Desktop tab or the Appearances tab. If it's Desktop, I think you have to disable the background texture (... forgot what it's called... you know, where you can draw in a little 8x8 box and it will tile it as your background). If in the Appearences tab, it would probably be an Icon property.
Sorry that I can't be of more help....
JigPu