Fixed!
kps' suggestion of using Pacifist did the trick. The first time I tried that, either I was trying to use the downloaded OS update package, or I just didn't know where to look. Actually, now that I really think of it, I think I made the wrong choice when Pacifist asked about replacing or some other option.
Anyway, went back & did it again from the OS install disk and I have my address book back, or at least the version that originally came with Jaguar. fine with me, since I assumer Panther will have a new, improved version.
Thanks to all, especially kps.