I have done a search in the archives on the problem of Format$. There
were many postings, however, I didn't see the method below, which has
worked well for me and I pass it on:-

dim holder as string * 10, Amount as double 'or whatever

Rset holder = Format$(Amount,"0.00")

All my report columns look fine - no leading * or 0 except where the Amount
is < 1 = 0.01 or 0.00 as should be displayed.