You can usually use a card in a camera without formating it. Have you tried this yet? If you need to format it you can get a card reader for you computer and format it through that. Just right click on the card and format should be one of the options...
I'm not sure why you can't format the card. Other than following your user guide and making sure you are not in 'internal' memory mode...also make sure the card is not locked. Check the side of the card to see if the 'switch' is in the lock position....
It seems that the locking tab is in the locked position. Unlock it. Look for the little tab on the side of the card. Avoid attempting to use a memory cards as a Flash Drives for storage of documents, mp3 files, etc. Your camera is not sophisticated e...