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Method 1

   1. Make sure you phone is fully charged.
   2. Backup your contacts list and personal files to MMC
  memory card (if possible).
   3. Switch off your phone.
   4. Press and hold these three keys together:
  * Green dial key,
  * Star key (*)
  * Three key (3)

   5. Press the power on/off to swtich on the S60 phone. Do
  not let go the three keys until you see the “formatting” screen
  displayed
   6. Wait a few minutes until the format is complete. Your
  S60 will now be at its original factory settings

Method 2

   1. Before you format your phone, make sure you back up all
  your
  ringtones, SMS and picture messages and most importantly yout contacts.
  You can use the Nokia PC Suite to do this.
   2. Once you’ve done this, key in *#7370#. It will
  immediately prompt you to restart your phone.
   3. Select ‘Yes’ and the phone will restart after
  formatting. It takes
  about 2 to 3 minutes to complete the process. Also ensure that your
  phone is well charged before you format.
   4. Now restore all your ringtones, messages and contacts
  and you once again have a fresh OS.

Thanks,