i presume
c: = win98 - fat32
d: = xp/2k - ntfs
Answer these
- which brand of hdd
- did u install partition magic or anyother s/w which fiddles with partitions

- how did u try to format the drive ? xp recovery console (rec-con)from cd or win98 boot cd
- have u tried fdisk /mbr
- in xp rec-con run diskpart to see what fs the partitions have
- run fixboot c:
- run fix mbr
- use the format option in rec-con to format c: in fat32
- after ur prob is fixed go to manufacturs site and download disk manager . make a floppy and boot with it , u have an option to backup ur mbr , use it to create a backup , if u have the same prob or something worse later u can restore mbr that way .