Todd, which version of the firmware do you have on your Nokia? Which version of XP do you have on your computer? Is this mmc-rs card the one that came with the Nokia, or a 3rd-party item? Lastly, have you tried to view the card both while it is in the Nokia & while in a card reader?

I don't guarrantee that the solution lies in the answers above, but if you include this information, it will help someone who knows these units diagnose just what is happening, & offer a solution. (This is obviously a formatting issue, but I need more information to understand exactly what is going wrong.)

Geoff