Hello

In case the problem is still current or for others the problem is going from non M type XD picture cards that come w/ the FUJI to the readily available M type. You cannot initialize the picture card untill you upgrade the firmware. Here is the url to get started.
http://www.fujifilm.com/products/dig...oad/index.html

Do the upgrade in camera, format your existing non M type picture card. There are many serious obstacles and "traps" according to the manual if you use your PC. After you have successfully done this the reformat it to clear and reuse.

It is a fairly simple and straight forward procesdure. However the manual and instructions on site do not work seamlessly and make it much more frustrating than need be.

ARRRGH!

However once done, no more problems.

Ray