Tady je to popsananý http://support.microsoft.com/kb/314878/

The maximum default cluster size under Windows XP is 4 kilobytes (KB) because NTFS file compression is not possible on drives with a larger allocation size. The Format utility never uses clusters that are larger than 4 KB unless you specifically override that default either by using the /A: option for command-line formatting or by specifying a larger cluster size in the Format dialog box in Disk Management.