What are your symptoms, exactly? Does mohaa crash when you click on the Save/Load button from the Main menu, or does it crash after you've selected a game to save/load?

I run XP Pro and don't have this problem.
Could it be a corrupted install of the game?
Try reinstalling it.
Could it be you've got write caching on? Switch it off and see how it goes.
There's also a memory setting in BIOS that can cause hard disk corruption.
Without further info it'll be hard to troubleshoot your problem.

I have xp Prof on a 1.3 gighertz t-bird processor with 320 megs o ram. I am using a geforce 2 64 meg mx 400 graphics card. I ca install and play the game fine, but I can't access any saved games. I get an error about having to shut down MOHAA. I have my harddrive partitioned with win 98 on it and the game seems to work fine, but that partition is simply used for administrator type things. I prefer to keep it in xp wiht my other games, If anyone has a suggestion on how to access the saved games, I would appreciate it.