The most likely culprit is the system type: if it's 64bit, then there is no 64bit version of the JET database engine, so the connection will fail.
Try using the ACE engine instead, and make sure that the DLL(s) are included in your installation software.
And please, never store passwords in clear text - it is a major security risk. There is some information on how to do it here:
Password Storage: How to do it.[
^]
It's a capital crime in many countries:
CommitStrip[
^] - or it should be.