For Gawds' sake do NOT format a camera card from within Windows. Aways format the card in the camera for which it is used, as the card can bugger up quite nicely with your priceless pics on it. you could lose them all, thank you very much.
I have never seen a camera wth no format command, but it may be nested in a sub menu somewhere. If you can't find it, please post here and PM me. I will find out what the exact procedure is. I can't believe that the camera has auto formatting, but more than one manufacturer has made a button/key press combination the way to go, in order to prevent some users from formatting treasured piccies accidentally.
Conan
Edited a few mins later - page 22 of the manual
Optio 50? You are looking for a menu called "Setup1" The format command is about three down.
Happy snapping! :-)
Conan