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Cougarman said:

SD cards have locks on the side, make sure it is not locked from there, just press the little thing to a side it will unlock it then you can format it.

No it's not locked like that.

@Dogs. That sucks.... why aren't things compatible from the get-go. (my memory card is not panasonic by the way, it's SanDisk... but in a Panasonic Camera.... will that make a difference?)

And I didn't realise you had made that picture, I thought you had used it to find out I use a Panasonic, and the writing in the bottom right is too small.