Win98 se is the first OS with USB Support. You may be able to update 95 with an update from microsoft but I would really advise moving to XP if your machine can take it..if not..make sure its 98 se
Also on the digicam not being compatible with 95 I call BS unless the transfer software is not compatible. On 95 you need to make sure there is a serial cable (RS 232 aka the nine pin dealy), if there is than it is most likely compatable. Maake sure to read the box on recommended minimums tho