pacmanfan,
if you are using the harddrive on a system that already has windows xp on it, you can just plug in the harddrive, have correct jumper setting, then right click on my computer, manage, disk managment, then it will show you the drive, it will show as unnamed drive at first, but you just right click on it again, and it will have format options. same should work for 2000, not sure about 98 (actually not sure 98 will even support that big of a harddrive)