Isn't the answer in post 4? No sql or code required for such a format when viewing on a form. You set the control format property as suggested. You should not care what it looks like in a table as no one should be poking around in tables when using the db. If you're trying to do this in a query, IMO it's the same thing as a table - you should not. A select query is basically a filtered (or not) view of a table and much of the time they behave exactly the same way.
The more we hear silence, the more we begin to think about our value in this universe.
Paraphrase of Professor Brian Cox.