.....but do you actually need to format the card. You say you have images on the card so it is obviously working happily as it is.
After reading the thread, I was wondering that myself. I have never formatted a camera card. I've taken shots, and 'moved' them onto the pc, which has therefore deleted them from the card.
I have then used the various cards again, and they have seemed ok - so far....
Have looked at the camera and there is a format option, but do I need to use it? Should I be using it??