Sorry I haven't done a format in a long time but as far as I can remeber there is a virtual disk there also. Isn't there ? Unless I am thinking os a different statrtup floppy So in that case if your hard drive is C & D then it would be followed by the virtual disk E and then the CDROM in F

I think an explanation would be in order why the format must be used with the /U parameter. Personally I have unly used it with the /s parameter or none and I did not have any problems with windows 98