How can I grab files off a Mac formatted 3.5" floppy (circa 1994) using a Windows '98 machine with a 3.5" drive, a Vista machine with no floppy drive and a MacBook with no floppy drive?

I’m trying to get my old college papers off a floppy disk and onto my MacBook without breaking down and buying a USB floppy drive. The Windows ‘98 machine doesn’t recognize the disk as formatted, of course, so it only asks me if I want to format the disk. Is there a free utility out there that can help?