It wasn't easy, but finally found a USB driver for Win95 for an Intel WebCam. I have the CS430 and it works (install, reboot, and tested in Netmeeting 3.01).
Here's where I originally found it
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The following files are found inside the driver download file.
|CS430UP1.EXE||1.6 MB||2 Nov 1999|
|cs430up1.doc||20.0 KB||2 Nov 1999|