It may be the card is bad, is this a new card ? If so it might not be compatable with the camera. I don't know if the camera is compatable with SDHC cards ( High capacity ) Putting a SDHC card in a camera that won't accept the card will say memory error. Try and borrow a friends SD card with no pic's on it, put it in and go to menu and format card and see if it will work.
Paul
June 2009
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