Smart Media Picture Alignment

I've searched this group but haven't found a subject similar to the
problem I'm having (or maybe I'm just not using the correct term in my
searches).

I use a Fuji FinePix camera with SmartMedia cards. It seems that a
couple of pictures usually end up "scambled". By scambled, I mean that
the top 2/3 is okay but the bottom 1/3 is positioned at the right edge
and the right edge is postioned along the bottom 1/3 of the picture,
or some other arrangement. The quality and color are fine. It looks
like the picture was sliced a few times and then the pieces were
randomly put back together. (I don't know what to call this effect.)
The picture looks fine in Windows XP thumbnail view but when the jpg
is opened in Window Picture and Fax Viewer, QuickTime Picture Viewer,
or other viewers the "scambled" effect happens.