canerata7,
do you have adobe acrobat or adobe acrobat reader? The full adobe acrobat usually installs a plugin in Winword that allows you to automatically save the rtf file as pdf. Or: Save the Winword as a html document and see if you can open the html document in adobe acrobat.
If you don't have access to full adobe acrobat, I suggest you look for one of the many shareware pdf creators, some of them don't need a virtual printer driver.
http://www.softpedia.com/public/scripts/search.php
... search for pdf
Hope that helps.