Dear John,
Yes I formatted the card in camera several times to no avail. I do know that the in camera formatting works because the 4GB card that I was using and was able to read with my computer's internal card reader was originally formatted for Canon cameras and I switched it to Nikon with no problems.
I am truly a plug and play kind of a guy. For now at least, I have a way to use larger cards that works fine and I'll more than likely stick with it, for I don't like to troubleshoot things. 
Regards,
Tim Murphy 

