format-number() for a phone number?

I need to format North American phone numbers that are 10 digits, like:

<phone>3035551212</phone>

would become

(303) 555-1212

My understanding from looking at the list archives is that there is no
consensus
things like length(phone) and substring(phone,0,3) are not possible with
XSLT at
this time, due to unresolved issues about characters vs bytes.

Is it possible to use the format-number() function to achieve this kind of
formatting? I can't deduce how to use format-number() at all, really. The
spec
points to JDK documentation for DecimalFormat, but the example in that doc
is
not terribly helpful.

Any help appreciated.



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