The hard reset wipes your phone memory only and will leave the memory card or mass storage untouched. If you lost some apps, they where installed on the phone memory.
To install your applications downloaded with Ovi store, please launch Nokia Store app on your phone, look for the application you want either in the application catalogue or select My Stuff > Download history,
then select the item and click Download button.
The other way to download applications involves opening the Nokia Store website http://store.nokia.com with your PC web browser.
When you have Nokia Suite running on your computer and your phone is connected to the computer with a USB cable, you can easily search and download free applications directly to your phone.
Please note that the maximum amount of re-downloads is 10 times per application.