Formatting smart card

Hi gang, Well, I figured out how to get my card reader to work, now the thing is to figure out how to format the card. It's a 128MB smart card, and when I try to format it to FAT16 in YaST partitioner, it always comes up FAT32. I've messed with the options and it still makes it FAT32. Is there another way? Man fdisk left me as confused as I'd be if it had been written in Chinese, heh. Thanks, John