I tried to run a program under XTM but it crashes. It works fine on my Windows 95 PC in a DOS window.

Unfortunately, a DOS window on a Windows 95 PC is a long way from running real MS-DOS on XTM , and many things behave differently as a result. You can run 32 bit programs in a Windows 95 "DOS box" which real MS-DOS wouldn't even recognise. Before you go much further, you should try to run your program on a real DOS system. If it works on a PC under DOS, but not on XTM, let us know what the program is, what exactly happens, and we'll see if we can come up with a solution for you.