Well, I had already tried everything you guys suggested. Here's what the problem was. It was my modem. It is an ISA hardware 56K pnp. It was causing the problem when it was set to plug and play. On one of my numerous reboots, it lost the modem and 98 wanted to install the drivers for it. I didn't and I was able to format. When I loaded the modem drivers, I couldn't format. I removed the modem completely and could format again. Reinstalled the modem and the drivers, couldn't format. So I set the modem's IRQ and Com and reinstalled. I happy to report that everything is working OK. Thanks for the responses.