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Formative Assessments can be thought of as "practice" assessments that are on-going throughout the term.  They are used by the student and teacher to gauge what the student is learning.  This provides for instantaneous modifications to the teaching to enhance learning. 

Summative Assessments are the most common usage of evaluating the effectiveness of the program and are used at the end of a section, term, or year.  They are used to make judgments about the individual's competency or mastery level in that subject.

EXAMPLES
 Formative Assessments  Summative Assessments
 Quizzes  Final Exams
 Portfolios  Standardized Exams
 Work samples  National Credentialing Exams