If you did format F as ntsf, installing XP will allow you to access the data.
There are a couple of ways to recover the drive for use in 98.
If the data on the drive is not needed, or already backed up, boot with a 98 boot disk, and use fdisk todelete the logical drive.
Then create a new logical drive.
If you need the data on the drive:
Install XP, copy the files over to one of the fat drives.
Follow the procedure above to recover the partition.
There are also utilities that are suppossed to be able to convert a ntsf drive to a fat 32.
I have not tried them, so I cannot attest to their effectiveness.
Here are 2 links for further information;
http://mirror.webnix.com/LDP/HOWTO/Filesystems-HOWTO.html#toc5
www.webtechgeek.com
Good Luck