I used to have several horse racing screen savers that I made 3+ years ago but they were for Windows 3.1 although they would work for Windows 95 as well. I finally got new software and have made some new screen savers that are Windows 98/95 compatible. They are also supposed to work on Windows XP, ME and NT but I don't have that to test them on. These screen savers are free for your personal use and are not to be resold or repackaged on another website or CDROM.
To install, just download the setup file and run it to automatically install and set up the saver. They have options on them to allow you to change the background color and timing between the photos. Each file is about 1MB in size. If you don't want to download them, I do include them as a freebie on my clip art CDROM.
If you are interested in making your own screen savers, the software I am using is Ace ScreenSaver and is available .