Double Logon?

I just installed a new system with win98, a standalone system connecting to internet via a gateway/router. Everything works fine, except when ebtering user name and psw at start up it has to be entered 2 times. I set up a second user just to see, and its the same.

In network settings, I am using ONLY client for MIcrosoft networks, and NOT windows logon, so there is only one client installed. I have never seen this before? Any ideas?