Ok. I found a couple of online tutorials which sorted me out. This is what I did to network 2 pc's using a crossover cable.
1. Install network cards in both pc's with drivers. Do not connect them yet.
2. Check LAN networking is installed as an optional windows component.
3. Network neighbourhood > properties. Check that 'Client for windows networking' is listed. If not click 'add' then 'microsoft' and choose from list. Check too that 'NetBeui' is listed in the protocols. It prob wont be so 'add', 'microsoft' to install it. Remove NetBeui for dial up adapter and any other listed. Only have it for the NIC card. Remove TCP/IP for the NIC if it is listed (you can always add it again'. OK all of these and you will prob be prompted for the win98 CD. If it cant find the files it wants, tell it to look in D:\win98 (if D is CD drive). In the logon field choose 'Client for windows/microsoft networking'. In file and printer sharing select what you want. You will need to restart. At the first reboot you'll be asked to enter password for networking - leave it blank if you dont want one. OK this alert - dont cancel it. Subsequently you wil have to logon at this stage using the same USER and Password.
4. Do the same for the other Pc. NetBeui is a simple protocol which does not need further setting up. Both PC's need the client and the same protocol.
5. Shut both machines down fully. Connect cable. Start one PC and allow to bott up fully, and logon. Then start other PC.
6. You should be able to see the other PC in network neighbourhood. You can only see folders which are SHARED. Right click a folder on your PC, select sharing > shared. Then the other user can see it.
This is basic stuff and most people here will know it all, but it took me a while to achieve a simple connection so it might be useful for others.