You don't need to change anything in the BIOS at all to control which OS to boot from. Just pick one, preferably, for all convenience purposes, the master. Install Windows 98 first, then install Windows XP. To control boot options, go to System Properties (can be accessed by right clicking My Computer > Properties) then go to the Advanced Tab, then in the Startup and Recovery area go to settings.
The reason why you can't install Windows 98 second is because it will add a new second boot file (which you cannot have) because it cannot read the first, because it is (likely) on an NTFS partition.
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