IE vs NS caching

Here is an annoying problem I've been dealing with for weeks. I am a webmaster/server admin. I am constantly making changes to existing web pages on our site. When I click "refresh" in IE 5.5, after editing an html doc, the new changes are not displayed. Even after I clear the history and clear the cache, the new page is still not displayed!!! The "settings" I have in Internet Options
-> Temporary Internet Files -> "Check for newer versions of stored pages" is EVERY VISIT TO THE PAGE. This tells me that everytime I hit refresh, IE SHOULD download the page from the server, but it doesn't appear to do this!!!

Here is the weird part. When I open Netscape 4.7 and hit Reload, the new version of the page comes up. THEN, when I go back to IE and hit Refresh, up pops the new version of the page as well! Sounds to me like there is some common file that is shared between NS and IE, and when NS updates that file, IE also knows of the update. How can I get IE to refresh from the get-go, like is should, without screwing around with NS.

Or is this an Apache configuration issue??

By the way, I'm running WinBlows 98.

Thanks

Jon