Hold your horses there man.
Data recovery can be super-easy but the more HDD activity in between, the more date you'll lose. My personal favorite for end-users is called GetDataBack. The NTFS version is $79; the FAT version is $69, you'll want to check since its running windows 98. That price is great compared to the $2000-$3000 most programs will charge, and this one is just as good. It also offers a demo version if you want to make sure the files you need are recoverable before you buy...or, you know, try anything else out with it.
http://www.runtime.org/data-recovery-software.htm
Missed a detail with your post though. You'll need to have some kind of OS installed to use any of these programs, there's just no way around that unfortunetely.
