problem with linked server authentication

Hello,
The attached snippet is code I use to try to create a linked server to an Access database file.  I can run it, it runs without errors and the linked server shows up in the linked servers list.

Problem is when I try to query it, with for example:

select * from UTILITYDB...worklist

I see this in the output window:

OLE DB provider "Microsoft.Jet.OLEDB.4.0" for linked server "UTILITYDB" returned message "Cannot start your application. The workgroup information file is missing or opened exclusively by another user.".
Msg 7399, Level 16, State 1, Line 1
The OLE DB provider "Microsoft.Jet.OLEDB.4.0" for linked server "UTILITYDB" reported an error. Authentication failed.
Msg 7303, Level 16, State 1, Line 1      
Cannot initialize the data source object of OLE DB provider "Microsoft.Jet.OLEDB.4.0" for linked server "UTILITYDB".

How do I resolve this?

Thanks!

EXEC master.dbo.sp_addlinkedserver @server = N'UTILITYDB', @srvproduct=N'Access 97', @provider=N'Microsoft.Jet.OLEDB.4.0', @datasrc=N'E:\utility\utility.mdb'
EXEC master.dbo.sp_addlinkedsrvlogin @rmtsrvname=N'UTILITYDB',@useself=N'True',@locallogin=NULL,@rmtuser=username,@rmtpassword=password
 
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'collation compatible', @optvalue=N'false'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'data access', @optvalue=N'true'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'dist', @optvalue=N'false'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'pub', @optvalue=N'false'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'rpc', @optvalue=N'true'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'rpc out', @optvalue=N'true'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'sub', @optvalue=N'false'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'connect timeout', @optvalue=N'0'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'collation name', @optvalue=null
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'lazy schema validation', @optvalue=N'false'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'query timeout', @optvalue=N'0'
GO
EXEC master.dbo.sp_serveroption @server=N'UTILITYDB', @optname=N'use remote collation', @optvalue=N'true'

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