Which sfwr best for organizing photos on Win98 Machine?

> I want to be able to attach multiple key-word labels my .jpg image files
> so that I can quickly pull-up and view those images meeting varying
> criteria. I do not want to have to create multiple copies of each image
> or have to move the files into new directories.
>
> I understand that to do this I need a program than can add, read and
> edit various picture "metadata" formats as well as retrieve the images
> based on "metadata" content. I want a program that actually attaches
> the "metadata" to the .jpg image file, so the descriptive data travels
> with the image as opposed to a program that merely compiles an index and
> directory of .jpg images.
>
> I would buy Adobe Photoshop Album 2.0 as it supposedly does what I want,
> but it seems incompatible with my machine running WIN98SE. Adobe
> indicates it requies WIN ME, WIN 2000, WIN XP.
>
> What program WIN98 compatible program is best for organizing
> photographic images?
>
> Windsurfer in LA
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