I bought a Lexar 256mb micro SD card for my nokia 6275i mobile.  I slapped a few mp3s on the card and put it in the sd card slot in my phone and viola! i can't access the card.  I don't see any folder or anything in the Gallery that points toward the card.  When in the Gallery i can press options, and go to memory status where it says "phone" and "unformatted" (the SD card. 
I formated the SD card in my computer and tried again - same thing.  What's up with that? do i need to format it in my phone? i don't know what to do 
thank you!