WIN 98 to XP PRO SHARE ACCESS DENIED

[tbprog]

I have a win 98 box on a lan linked to my XP pro box.
I wish to provide a shared directory on the XP box with security so that only designated users with passwords can acces it from the local area network.
I have switched off simple file security on th xp.
I have created a folder on the xp box and shared it on the network.
I can access this share from my win 98 box as long as the user everyone is provided with all permissions on the folder properties share options.
If I deny all rights for everyone and provide access to a user already designated on the XP box and provide them with all rights, I can no longer access the folder from the win 98 box.

I am logging in on the win 98 box with user name and password as designated on th XP box.

What am I doing wrong ?