I can't access photos on my memory card

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Minor: Did someone else recently use the camera, or did you recently review photos on the card? The image files may have been accidentally erased. Find out by using an undelete program like QueTek File Scavenger to comb through the memory card and find files that are marked as deleted in the card's file allocation table.
 
Moderate: If your camera can't recognize the memory card, the card may be using the wrong file system. Most older cards and cameras employ the FAT16 file system. But FAT16 can store only a little more than 2GB of data. With some CompactFlash cards already breaking the 2GB barrier, more cameras and cards are converting to the FAT32 format. You can use the camera's on-board controls to reformat the card, or you can reformat it on your PC using a card reader, but you won't be able to see the full capacity of cards larger than 2GB if you format them in FAT16.
 
Dire: Still can't see the media? Try using the memory card in a working camera or a card reader that uses the same memory type. If you can't get the media to work there either, you probably have a shorted or physically damaged card in need of replacement. On the other hand, if you do manage to get the card to work elsewhere, the problem could be with your camera.