The camera cannot use XD picture card and multimedia card (MMC). SD and SDHC can be used. for compatibility check this http://www.fujifilm.com/products/digital_cameras/accessories/card/a/
you might need to update your product depending on your serial no.
to format the card, press menu to display menu setup, press right to move to setup 2 (3rd tab) you will see Format. click Format to format the memory ("SD" is displayed if memory card is inserted and "IN" (internal memory) if no memory card. hope this helps
if you look at the chart. the model that you have A340 can use XD picture card 16MB-512MB but if you use other type of XD picture card Type M+ & Type H (which has higher capacity) you must update to make compatible with this type of cards and that also depends on the serial nos. of the product model you have.
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Hi,
Make sure the write protect lock is off by taking the card out
of the camera, face the card towards you, look for a small white tab on
the left hand side of the card, to unlock it push the tab down, it will
be at the side of the card like this 
.
Good luck.
I thought you solved my problem because the tab was UP, but when I pushed the sdhc 4g card DOWN, it displays MEMORY CARD LOCKED.
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the camera had and functioned with an existing xd picture card 16mb. just want to replace with a bigger memory.
i will try the update
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