Ky Bob: I found a link that gives a write up on the SD and SDHC cards. Maybe this is why you are having problems. After reading this I won't be using the SDHC cards. Here is the link: http://www.sandisk.com/Assets/File/pdf/retail/SDHC1.pdf
I am wondering if the SDHC card is causing a conflict with the camera software. If you have access to a 2GB or lower SD card, format it and then try it to see if it makes a difference.
Here is another link: http://en.wikipedia.org/wiki/Secure_Digital Scroll down to SD and SDHC compatibility issues.