Themes By M.E. Free Desktop Themes - Desktop themes in categories of art, fantasy, Native American, and others. Most of the themes have matching Hotbars and Winamp skins. - http://www.marjie.net/
Vols Desktop Themes - Desktop themes for the Tennessee Fan. Bring the sights and sounds of Volunteer sports to your computer with a desktop theme and screen savers. - http://www.smokeys-trail.com/dt_themes.html
Christian Themes - Free Christian themes categorized by category, and Christian screensavers, also faith stories and writings on Grace of God. - http://www.anaja.com/
Themes Shed - Several categories of original desktop themes to choose from. Hopefully something to suit every taste. - http://www.themesshed.com/
Allen and Cathy's Pages - A small collection of Desktop Themes. - http://www.usfour.cwc.net/
Christina's Desktop Reflections - An eclectic collection of original and artistic free desktop themes with matching ICQ skins, browser skins and screen savers. - http://desktopreflections.com/
Debbie's Themes - Free, original, and exclusive desktop themes and wallpaper for Windows 95 and 98. Need javascript enabled to download from this site. - http://www.debbiesthemes.com/
Kenja's Theme Creations - Collected works of original desktop themes sorted into categories like SciFi, Bryce, animals, holidays, religious, fantasy and miscellaneous. Large Native American collection. - http://kenja.net/themes/