Operating systems are Win95 and Win98SE, Need program, preferrably
freeware, to show all Hard Disk Activity visibly on monitor. Must work
on both Operating Systems and if shareware, cost must be no more than
$15.00.

Here are two different programs that monitor various activities on
your Windows Operating system. They both can be setup to show as
little or as much information as you desire.

FreeMeter 2.7.2 
http://download.com.com/3000-2086-10112898.html?tag=lst-0-3
Price: Free
"FreeMeter is a Windows utility that helps you keep track of your
system's resources, by monitoring, in real time, disk space usage, CPU
usage, memory usage and disk transfer rates."

WinMonitor 1.2s  
http://download.com.com/3000-2094-6744972.html?tag=lst-0-1
Price: Free to try; $9.00 to buy
"WiN Monitor is a System Information monitoring Bar with lots of
additional useful features. WiN Monitor provides a real-time display
describing hardware usage and system-service activity, such as HPC
Time, Free Disk Space, Physical/Virtual Memory Usage, System Power
Status, DialUp Connection Status, Network Activity, CPU Load Level,
Mouse Position, etc, on local or remote* computers with Windows 98/ME,
Windows NT, Windows 2000 or Windows Whistler operating systems."


Search Strategy:

Searching on Download.com
hard disk activity monitor
http://download.com.com/3120-20-0.html?qt=hard+drive+activity+monitor&tg=dl-2001