Well here is a nice little surprise for you... Wouldn't be Nikon by any chance? They only run at USB1.1 speeds apparently...
Best bet is get a USB2.0 card reader and save the wear and tear on you camera at the same time. My own card reader, along with decent memory cards has made a big difference. (Nikon D70, 50 speed Kingston 2GB cards)
Hope it helps...
Conan