You either need to load WinXP on a second hard drive jumpered as the IDE 0 Primary Master, jumper the messed up drive as a Slave, download and install a third-party partitioning program (such as <A HREF="http://www.powerquest.com/partitionmagic/" target="_new">Partition Magic</A>), and then make the file system conversion back to FAT32 ... or you'll need a disk utility from the drive manufacturer to zero out the drive with a low level format before recreating the partition(s) on the drive ... or you'll need <A HREF="http://www.sysinternals.com/ntw2k/freeware/ntfsdospro.shtml" target="_new">NTFSDOS Professional Edition</A>, which will give you read/write access, but this method also has certain limitations, so look over the instructions carefully. For instance, you still won't be able to load Win98 onto the NTFS partition with this utility, regardless.
Out of the three ... the only one that is free is the disk utility. And it's likely to be the easiest solution, too.
Toejam31
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