Check your drivers, directX, and that you are running it in a compatability mode for win98.
If that fails to solve it, try using alt+enter to change from windowed mode into full screen while sitting at the user/pw login screen, then exit EQ, and restart it. It should load up now in full screen and run. I used to have a similar issue on my wife's computer using an ATI Radeon 7500 video card. Seemed like it had something to do with how the game stored settings and that changes wouldn't acctually be applied until EQ was rebooted.
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