Can't open Access 2000 database using ADO 2.1 on Win95 system

My VB6 app has a problem running on Windows 95. When the app connects to an Access 2000 database, I get the following error:

Error Number : 713
Description : Application-defined or object-defined error

The code looks like this:

strConnection = "PROVIDER=Microsoft.Jet.OLEDB.4.0;Data Source=" & classSetup.DataPath & "\" & "data.mdb"

deMain.conTrades.Open strConnection ' deMain is a VB Designer object, conTrades is a VB Designer connection

It seems I don't get this error on Win95 systems that have Office or Visual Studio installed and it runs fine on Win2000. I gather it's related to MDAC but both DCOM95 1.3 and mdac_typ 2.1.2.4202.3 are installed. I removed all error trapping code (as Q139041 suggests) but the error still pops up.
I used the new MS Installer to build the installation files.

Can someone help?

Thanks,

Francis Gingras