I'm sorry, there aren't any short-cuts. If you want to be able to use the
MDB under an earlier version, you must be very careful not to use any
features that were not available in the earlier version. The Decimal data
type is one such feature. As John has explained elsewhere in this thread,
you will have to modify the MDB in the later version, changing all Decimal
fields to a data type that was supported in the earlier version, before you
will be able to convert.
To avoid problems like this in the future, if you want to support Access 97
it is far better to develop in Access 97 and convert to a later version for
users that have the later version, rather than trying to develop in the
later version and convert back to the earlier one.
The ability to convert to an earlier version is probably best viewed as a
safety net to allow users to recover from accidental conversion to a later
version than as a standard development technique.