Dear Rhys
>  It's probably Norton that's slowing the
> network down to a crawl. As soon as I installed it, a year
> ago, there was a marked speed decrease.
If you have Auto Protect enabled in NAV it can have quite a disastrous effect on performance, in my opinion anything less than a 600Mhz PC should have auto protect turned off. Also the particular settings for what is to be scanned can also affect performance significantly.
> This is my latest IPConfig from Win98.
> 1 Ethernet adapter :
>         Description . . . . . . . . : 3Com EtherLink PCI
>         Physical Address. . . . . . : 00-50-04-36-AB-00
>         DHCP Enabled. . . . . . . . : No
>         IP Address. . . . . . . . . : 192.168.40.12
>         Subnet Mask . . . . . . . . : 255.255.255.0
>         Default Gateway . . . . . . : 192.168.40.10
>         Primary WINS Server . . . . : 192.168.40.10
>         Secondary WINS Server . . . :
>         Lease Obtained. . . . . . . :
>         Lease Expires . . . . . . . :
> 
> There... I have wins server enabled. 192.168.40.10 is the
> server. 192.168.40.12 is the PC.
Good, so your Win98 PC and sme server now work OK together (without the NT PC connected), I think you said that earlier, is that right ?
>  I don't want to use DHCP because every time I try that one, 
> Win98 screws up badly. 
It works perfectly for me on a number of Win98 PC's as workstations and with a WIN XP Pro as a file server and a sme as a everything else server (gateway, email, DHCP, PDC etc) so the problem must be at your end. 
As I suggested earlier, maybe your NT machine is the problem ??
What are the ipconfig settings for the Win NT machine, and is it a workstation or a server version of software ? Is it setup as a DHCP controller or Primary Domain Controller (PDC) or anythig else server oriented that may clash with the sme server.?
Regards
Ray