HI KBBJ,
I don't generally use my ico files for anything but simple desktop icons. If that is all Smash wanted to do, then my method works fine. I am using Windows Me which isn't that different from Windows 98. I would Microangelo to create cursors which to my knowledge are different than icons. Sorry I know nothing about Visual Basic but I just took a picture of my cat, edited it in Photo Shop 6.01, saved it as a BMP, went into DOS and renamed it to an ICO file and replaced my Netscape Icon with the new one of my cat. It looks silly but the size is perfect it works great.
Suzanne