Hi Mark and welcome to the Forum!
Have followed instructions for formatting a brand new Olympus xd m+ picture card but getting 'card error' msg on my Fuji finepix A345 - am l doing something wrong or is the equipment incompatible?
It looks like it's a compatibility issue.
According to Fujifilm's site, the A345 is compatible with the 1GB, 512MB and 256MB except 2GB xD-Picture Card TypeM /TypeH.
The Fujifilm camera, which is about five years old, doesn't appear to be compatible with M+. Type M+ cards were introduced in 2008.
http://www.fujifilm.com/products/digital_cameras/accessories/card/a/