Billy,
Regarding the card reader: there are some parallel card readers that will do the job, slower then USB, but if you work with a PII and 64MB of RAM, I guess you're not one of the guys where speed matters a lot... One warning though: In our company we used some (+/- 50) Parallel SanDisk card readers on Dell systems and W98, and had some severe problems: sometimes the mouse and keyboard stopped responding, explorer locked up,... never had this problem with IBM or Unisys systems. We never found the cause of these problems. The solutions we chose was...buy USB card readers.
I've installed USB devices on some W95 systems and they all work fine, but finding and installing patches may take some time...
Good luck
Steven