It might. I created an account and mimicked a user once to get into a protected mdb once which worked (use admin as the user (no caps)).

If you don't get a prompt for a username and password it makes me wonder. You mentioned this was created in Access 95?

What version of MSAccess do you currently have (I'm assuming you've upgraded)?
Have you attempted to try and convert it to a later version if you have a later version of MSAccess?

I was able to convert a protected MSAccess 97 version to a 2000 version successfully once which was the key to cracking it.

I'm guessing you don't have a backup copy anywhere or an unprotected version. This would be ideal.

I've also been successful in exporting objects out of the protected mdb into a new blank mdb or importing into the new blank mdb.

If you hold the shift key down when opening it, I take it when you try to get into design view of any form, you get an error. See if you can export the form into a new mdb.

Currently I get an error when trying to open the mdb via a shortcut using the FFWear.mdw file you supplied. This makes it difficult to try and do anything and the error I get is usually associated with an incorrect mdw file being used.

Also try Tools -> Security once you get in and let me know what options are available and not greyed out. If you have the ability to add new users (giving them admin permissions), you might have better luck. If "user and group permissions" is not greyed out, you may be able to do this.

Also, I'm not able to run wrkgadm.exe (since I have MSAccess 2002) but this would be the file you would run to administer security. You'll need to search for it. It's usually in C:\Windows\System32 or C:\Program Files\Microsoft Office....(in one of the subfolders.)

The only thing I can tell you for sure though is that the FFWear.mdw file you supplied has one user (admin) with no password.