Hmm, that's a good point, I'll try getting a 32Mb card too.
I can still read and format the 128Mb card in Windows and Linux, though, and from what I read in my research, it's common that the USB readers corrupt some sort of layer and make it unreadable on devices like cameras. I ended up ordering a Microtech CameraMate, they are one of four readers that don't corrupt the card, and they can be used to do the low-level format. Apparently, it has to be done on Windows 2000, though... to be continued.
BillGrooves