When formatting on your PC, remember to format to FAT....not FAT32.
I didn't find a need to re-format in the keyboard. It has been working flawlessly.
Smart Media cards are becoming a little harder to find. Some local retailers that used to carry them did not have any in stock. But there were several sources online.
Rather than depend on the smart media card exclusively, take advantage of the USB socket and back up everything you need to a thumb drive. The fact that it gives you several storage options is what makes the PSR 3000 so great.
Eddie