It depends on your version of Crystal.
For 8 and 8.5, the default for ODBC connections to SQL Server is "Database.dbo.TableName", while Native connections don't explicitly show the schema. You can change it from Database > Set Location.
Don't have CR 9 here, but I thought it always defaulted to the "Database.dbo.TableName" schema. You can check out the options from Database > Set Datsource Location.
-dave