I did a Google search and found this.
You have to use Dos commands, but it formats the SD card to fat32 in about 3 seconds. Needless to say, this has to be done on a Windows computer. Mine is running Vista.
BE CAREFUL! IF YOU AREN'T PAYING ATTENTION, YOU COULD FORMAT THE WRONG DRIVE AND MESS UP YOUR COMPUTER!
(If this is in the wrong place, please move to the correct forum.)
I'm sure most of you already know how to do this. I just figured I would post it for people that don't.