用Folder Guard吧
我正在用它，不错！
下面是它的说明
Folder Guard is a software-only security solution for personal
or publicly accessible computers running the Windows 95/98 operating
system. Its features include:
o Complete control over access to files and folders of your choice.
You can hide or make actually "read-only" any folder, so that
access to its contents will be restricted to all applications
including Explorer, MS Office, MS-DOS programs, common dialogs,
etc.
o Optional user validation at logon, which helps protect your
Windows files from intruders. You can choose to disable the
Cancel button on the logon prompt or set up a password to logon as
"default" user. A log file can be set up to help you keep track
of the use of your computer.
o Password access to protected files and folders that can be set up,
or changed, at any time.
o Flexible control of user access to many Windows 95 resources, such
as the Start Menu, Control Panel, Active Desktop, etc.
o User-specific access rights to files, folders, and to other Windows
resources that you can configure separately for each user of your
computer.
o Preventing some or all users from reformatting local drives of your
choice.
o Protection from both the local and remote access.
o Easy and intuitive user interface that helps you set up the
attributes of files and folders you want to protect, and helps
you control other settings, as well.
o Protection that's transparent to both users and applications.
While protecting specified folders and other resources, Folder
Guard uses only about 40K of RAM.
o Designed to operate with or without the use of System Policies, on
a stand-alone computer or on a network.
，说错别怪