I installed XP last week and frankly i am not satisfied with it for gaming at all it sux for my voodoo3 also so i am going back to 98se or 2000 but my question is is there a way to put on 98se or 2k by just installing or do i gotta format and start over and lose everything?

damn thats a shame , XP runs excellent for me .... Games , apps , multitasking i really like it ......

AS with any OS install Start fresh .......

Yup. Gotta reformat to go back. Even if you could *upgrade* XP to 2k or 98, it is always best to do a clean install then, instead of having to do it later at possibly a more inconvient time. I've personally never had good luck doing OS upgrades.