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                  </-FAT32/FAT16 LIMITATIONS UNDER XP-/>
This is straight from the Microsoft Knowledge base

    [FAT32]
- Clusters cannot be 64KB or larger, if clusters are bigger than 64K it
  may result in errors with programs calculating disk space.
- The volume must contain a minimum of 65,527 clusters.
- The Max disk size is about 8 terabytes.
- You cannot decrease the cluster size of FAT32 so that the size of the
  FAT is larger than 16MB minus 64K.
- XP Setup cannot create partitions larger than 32GB in setup, however
  a Windows 98SE/ME bootdisk format can.

   [FAT16]
- Max partition of 4GB
- FAT16 is limited to 64K Clusters
- FAT16 partitions larger than 2GB are not accessible by previous Windows
  such as 95/98/ME.