I have the same problem with Spybot 1.4, Windows 95 and the user32.dll. So I went back to 1.3. However 1.3 no longer works well as after a scan I keep getting an error in the scan window in Dutch or German or something.
Oh yeah, and I keep getting checksum errors when I go to update through the net. So I download the update installer. Still get the cheksum errors. I've attached screenshot of the error message.
If they no longer support 95 I guess I will no longer be sending in my donations. While they weren't much they were something.