* for Monday 12/28 ** With 19-98 drawing to a close, there is bound to be more and more talk about 'Y-2-K'... the 'year two thousand' dilemma. Big companies have spent millions of dollars and years trying to get their systems ready for 2000...and with just over a year left, most are in the final stages of preparation. But for small business owners the situation is quite different. Many are just starting to think about Y-2-K. Mainstreet Radio's Gretchen Lehmann reports. The Small Business Adminstration's Year 2000 website opens to a