A Windows password alone is not sufficient to password protect your computer. The Windows password is used simply to identify who is logging into a Windows computer, in order for Windows 95 or 98 to adjust the desktop settings for multiple users on the same computer. The Windows password can easily be bypassed.
In Windows 95 or 98, the best way to password protect your computer would be to create both boot and screen saver passwords. Since a screen saver password can be bypassed by restarting the computer, you also need a boot password to keep anyone from breaching your security.
Note: This password can be bypassed by restarting the computer.