On the SD card, I used Storage Tools
http://www.softwinter.com/storagetools.html
and on the CF card I used a desktop (right click in Windows Explorer and select "format")
No reason for which program to use which flash card, just convenience at the time.
Note: I use my flash cards with my RSS reader, which HEAVILY exercises the cards, writing one or more hundreds of files per day and on some days creating over a thousand files.
Greg Smith
Author, FeederReader - Pocket PC *direct* RSS text, audio, video, podcasts
www.FeederReader.com - Download on the Road