bacillus gave you the more accurate answer via the chart. I just didn't feel like cutting and pasting..

So, here goes the whole enchillada:
FAT32 uses 4KB clusters(up to 8GB) and FAT16 2KB-32KB cluster sizes
depending on the HDD size.
HD size in MB-------Cluster size
0 - 15--------------4096-4KB-(8 sectors)-------12-bit
16 - 127------------2048-2KB-(4 sectors)-------16-bit
128 - 255-----------4096-4KB-(8 sectors)-------16-bit
256 - 511-----------8192-8KB-(16 sectors)------16-bit
512 - 1023----------16384-16KB-(32 sectors)----16-bit
1024 - 2047---------32768-32KB-(64 sectors)----16-bit
(Volume sizes are in binary megabytes as used by FDISK)
The partition types supported by OSR2 and Windows 98 are as follows:
Partition-----Size-----------------FAT Type
01------------0-15 MB--------------12-Bit
04------------16-32 MB-------------16-Bit
05------------0-2 GB---------------n/a
06------------32 MB-2 GB-----------16-bit
0E------------32 MB-2 GB-----------16-bit
0F------------0-2 GB---------------n/a
0B------------512 MB-2 terabytes---32-bit
0C------------512 MB-2 terabytes---32-bit
Edit: I hate cutting and pasting - it comes out all jumbled when you post, but this should be a little more legible. Looks like bacillus and I have this same info buried somewhere on our respective hd's.