I had the same error on one of our city cameras, we bought 55 of them about 2 years ago, this is the first one that gave an error. these are fd200's. I tried the PC format, changing disks, etc.. no luck. Then I just bent those two tabs about a millimeter down and whalla, camera works again. The tabs appear to be the guides that allow the disk to come in. I just used a small screwdriver and just bent them in a little closer, not much. The error is gone. Can't believe bending the tabs did it but it did. Thanks so much for your help and advice.

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