It's on the Windows 98 CD!
All you have to do is pop in the Windows 98 CD into virtually any Windows PC, navigate to directory \tools\reskit\config and double-click tzedit.exe. Your current time zone should be highlighted; if not, select it. Just click the Edit button and you'll be greeted with the following:
(This screen shot was taken from Windows NT 3.51.)
Just change the Start Day to Second Sunday of March and the Last Day to First Sunday of November. Click OK, exit the Time Zone editor, and you are almost done. In order for this to take effect, you'll need to double-click your clock on your taskbar and select the Time Zone tab (or Control Panel - Date/Time in Windows NT 3.51.) Then change your Time Zone to something else (say Indiana) and back, then click OK. Now you're all set.
You can verify this works by changing your date to anytime next week and back, noticing the change from Standard Time to Daylight Time and back.
Don't be fooled by the fact that this solution comes from the Windows 98 CD. I have personally verified this fix to work on the following OSes:
Windows 95 original
Windows 95 B
Windows 95 C
Windows 98 SE
Windows NT 3.51
Windows NT 4.0
It is extremely likely that it works on others as well (ME, 2003, and maybe NT 3.1 / 3.5).
You only need to patch your current time zone, unless you plan on moving in the near future. If you boot one PC to multiple OSes like I do, then only apply the patch to the one OS that you already designated to update the time.
Also, if you have an old PC without a CD-ROM drive, that's not a problem. Just copy the 3 tzedit.* files from the Windows 98 CD on another PC onto a floppy disk. If the floppy drive option is not available either, you can google for TZEdit, or get the 3 necessary files from here. If all else fails, you can always edit the registry in a worst case scenario if you're extremely cautious. It's in HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Control\TimeZoneInformation if you're good with binary.
I felt compelled to offer the Windows 98 CD solution to everyone after hearing faulty information from a so-called IT "expert" on one of the cable news channels within the last few hours. He claimed that users of older versions of Windows  would just have to turn off the daylight saving feature manually and re-apply it in a few weeks. I find such bad advice to be completely unacceptable, since I know several solutions. TZEdit just happens to be the easiest solution outside of Windows update.
I'm looking forward to seeing my old PCs update tomorrow morning, and look forward to seeing if my OS/400 patch worked on Monday.