Hmmm...
I had alread tried a 2GB card using the USB reader on my wife's 10.3.9 system, and got the same "not formatted" response, although she has been doing the same as me...
But just now, I tried a 1GB chip and it read perfectly in hers. Retrying the 2GB gave the same problem.
Retried both cards in my system and got the same result - the 1GB worked as it used to (a surprise, as it was not working hours ago), but the 2GB still did not work. It was formatted by, and working in the camera - I even used the camera cable to fill it with old photos that now show fine in the camera's screen.
(I just tried a Palm-formatted 256MB card in mine: zipponada; same on hers. I do not normally try that, so it does not surprise me too much.)
So, is the issue cards over 1GB?
Or, if some part of my system is wonky, then what sub-prog do I replace? (No way is this worth a complete reinstall!)