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Do you have an older floppy disk that you can access from Windows 95, but XP doesn't recognize it, and you get a "A:\ is not accessible" or "Disk is not formatted" message?
This problem occurs on disks that do not contain a media descriptor byte in the BIOS parameter block (BPB) of the boot sector. Some older preformatted floppy disks do not contain a media descriptor byte. Older product disks may also not have the media descriptor byte. The media descriptor indicates the type of medium currently in a drive. With MS-DOS and Windows 95, you do not have to set the media descriptor byte. Therefore this problem does not occur with these older operating systems. The media descriptor byte is located in the BPB of the boot sector at offset 21 (15h) and in the first byte of each FAT on the disk. RESOLUTION
To resolve this problem, re-format the floppy disk with Windows 98, Windows Millennium Edition, Windows NT, Windows 2000, Windows XP, or Windows Server 2003.  The problem and the workaround is also here:
http://www.winxpnews.com/rd/rd.cfm?id=041026CO-KB_140060


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