I had this same problem a long while back, and if I can remember
correctly I put the following in my config.sys on the boot floppy and it
fixed the problem:

Device=HIMEM.SYS

This is needed, especially with the W95B (OSR2) version.  Of course, you
need to have HIMEM.SYS on your boot floppy too.

HTH,
Robert

Mike Bridges wrote:
>
> I am trying to format a western digital caviar hard drive from a DOS
> prompt and get the message "insufficient memory to load system files"
> message.
>  It is a Pentium Pro 150 with 48 mgs of ram and the 1.5 gig hard drive
> is only 1/4 full.I am using the command format c:/s
>  Any help would be appreciated.
> Mike Bridges
>
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