1.  A computer running Windows 95 cannot be upgraded to Windows XP.
If you want to install Windows XP on a Windows 95 computer you must
first reformat the hard drive so as to wipe out the Windows 95 (and
everything else on the drive) completely.    You can used the "Files
and Settings Transfer Wizard" from the Windows XP CDROM to save the
Windows 95 user data files and program configuration settings (but not
the installed programs themselves).  See Files and Settings Transfer
Wizard by former MVP Gary Woodruff:
http://www.aumha.org/win5/a/fast.htm

2.  A computer from the Windows 95 era (e.g. purchased mid 1998 or
earlier) is almost certainly going to be inadequate in at least some
aspects for running Windows XP.   The practical minimums in order to
get any sort of decent performance from Windows XP are:
- At least a 350 mhz CPU
- 512 mb of RAM (384 or even 256 mb may be adeguate if the CPU is
faster than 800 mhz).
- At least 5 gb of hard drive space for Windows itself, plus whatever
is needed for application progams and data files.

3.  If you want help with a Windows error message then it is necessary
for you to provide the complete *verbatim* text of the error message,
exactly as it appears on the screen.  There are tens of thousands (at
least) of different possible error messages that can be produced by
Windows and sometimes it is the presence or the absence of a single
word in the text of the error message that is the essential clue as to
the underlying cause of that error.

4.  You are more likely to get a useful response to a question about
Windows XP if you post that question to a newsgroup that deals with
XP.  For the situation you describe the newsgroups
microsoft.public.windowsxp/setup_deployment,
microsoft.public.windowsxp.basics, or
microsoft.public.windowsxp.general would probably be appropriate
forums in which to ask for help.

Good luck

Ron Martell     Duncan B.C.    Canada