Elfen, I was planning on going through your steps tonight or tomorrow but I have a concern - on the Kanga my PCMCIA - SD converter freezes every time I insert it (pretty similarly to the 3400c and actually also 5300c).  So I don't think I'm going to be able to get to the point of actually formatting it.  Initialization options have only come up once or twice.  It's possible it's because the computer thinks the PCMCIA card should get 5V, but the SD cards seem to all need 5V.  So I got a cardbus > CF adapter (and also a CF > SD adapter) and a CF card (they're 3.3V or 5V).  So I think I may hold off till some of that stuff gets here.