boot from the windows 98 boot disk (
www.bootdisk.com)
at the a:> prompt run "fdisk /mbr" and hit enter
then run fdisk and delete the non-dos partition so that you have no partitions.
reboot again with the windows 98 boot disk.
run fdisk again and make your fat32 disk
then format it
then boot from your windows 98 or windows ME cdrom.
as long as you delete the partitions, fdisk can certainly handle deleting ntfs partitions. I do it every week.