[AccessD] Format Percentage

Hey All
Just curious. No biggy (because I am changing things)
I inherited a database, in one table the previous programmer has a field
Tender - Number, Double, Percentage, 2 decimal places
On a form he has a text box bound to Tender, formatted percentage to 2 
decimal places.
When I enter numbers and  then I click off then back on the text box I 
get 2 types of display(one formatted the other the decimal value).
I have tried different types of rounding etc.
Enter     Click Off   Click On
10          10.00%    10.00%
23.45      23.45%    23.45%
70            70.00%      0.7
76             76.00%    76.00%
90             90.00%     90.00%
95              95.00%     0.95
95.11         95.11%      0.9511

If  I change it to Currency everything works fine. But what if I needed 
(just curious) to display the percentage to 3 decimal places.

Am I missing something here???

Thanks