microSD card works via usb but not in WinMo

[phreekopath]

Odd problem that just started happening today... I was in my SD card, looking at the files, then i backed out of it (closed file explorer and all), did some text messaging, go back to the card and... it's not there!

Ejected and reinerted the card... nothing
rebooted... nothing
removed card, rebooted, reinserted... nothing
soft reset phone w/ card in ... nothing
soft reset phone w/ card out ... nothing

plugged in USB, set to removable storage... tada! all my files are there, i can tranfer, open, etc etc... but the phone will not recognize that a card is inserted...

HELP!