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You're missing the mesh. If you have the mesh but no texture, you usually get an all-white version of the garment.
The mesh needs both a .cmx and .skn file; I haven't tested to see what you get if you have one but not the other.
Did you put the formal outfit into Maxis\ExpansionShared\SkinsBuy? Lingerie, Swimsuits, Winterwear, and Formals all go there, not into the Maxis\GameData\Skins folder.
I've made some mods for The Sims 1 -- yes, The Sims ONE :-) -- which you can find at
http://corylea.com/Sims1ModsByCorylea.html