cannot init d3d

hello i am having a problem playing a game. its called ragnarok online when i start the program it cannot init d3d. i was having problems earlier with my pc so i reformmated my pc and installed windows xp. i had win98 on before the game played ok with it. i installed direct x 8 and direct x 9. i still have the problem. i have nvidia riva 128/128ZX graphic card. i went to the site and installed every single driver they had and still nothing works. is there anything else i can do.