If a hard drive is infected with a virus, re-formatting alone is not guaranteed to eradicate it, as the boot sector could have moved!You may have to run FDISK from a write-protected floppy which has been prepared on a clean machine.
This floppy (I always keep one in my 'toolbox') should be bootable, and have himem.sys and a generic CD driver on it, with an appropriate config.sys file. Autoexec.bat should also load mscdex.exe with the same drive reference as in config.sys - eg d:/mscd0000 (or similar).
There will be room on the floppy for fdisk, format, scandisk, edit and other such tools. The floppy produced during installation of Windows 95 is a good starting point, but nigh on useless on its own!!
When you run FDISK, you must first delete any partitions, re-boot the machine, then FDISK again to create an active partition. Re-boot again, and format the drive.
If the drive is big enough - 1Gb or more - it is wise to copy the win95 directory from the Windows 95 CD onto the hard drive, for two reasons.
One - it's handy when updating drivers...
Two - 95 install has a nasty habit of losing the CDRom!
I love Les Barker's parody of George Formby - 'Reinstalling Windows!'
He's been there!!