Formatted floppy on W2K not recognized.

I have recently run into a problem with formatting floppies on W2K Professional machines. When the Floppy is formatted on these machines they cannot be read on previous versions of Windows. (i.e. 95,98,XP) My theory is that W2K Professional formats with a more advanced structure so they older OS’s cannot read the disk. This has been tested on numerous machines with the same result. I would appreciate any assistance that you can offer, or if you have run into the same thing and have a work around.