@ Joe 1956
well, supplying more information would help.
How big is the card you're trying to format ? (cards > 4 Gb can not be formatted as FAT)
If your card is 4 Gb or smaller try formatting as follows:
1) find your card in 'My Computer' and remember it's drive letter
2) Open a DOS box and type: "format X: /FS:FAT /X" but
replace the first X with the drive letter you found in step 2
(don't type the " ) and press Enter
3) If format complains about invalid switche(s), check which one by typing "format /?" - this will show you format's help
if you can't figure out what the problem is, please dump the help to a file: "format /? >fhelp.txt" , and post or PM this
file (i don't have '98 handy, and can't remember if the options for format changed)
4) If the 1956 in your nick reflects your year of birth then you're 3 years younger than me

wim
PS Once we got formatting sorted, we can do the hex editing ...