You can download the file to make a bootdisk from
www.bootdisk.com.
However, the easiest way to format a drive with XP on it is to boot with the XP CD in the CD drive and use it to repartition and format. Just be sure to format it in FAT32.
Once you have that done, boot with a regular Win98 boot floppy and run the setup.exe file on the Win98 CD.