I bought Sandisk card 256 and cf0: NDOs, it begins bothers me 
are you sure you have the correct fat95 installed and not the one for os4?
also, add the card reset patches in if you dont have them.
dont use the Commodore PREPCARD tools. they are essentially useless.
if you want to format the card from the amiga,just click the cf0:Ndos once and use the format from workbench menu,make sure to use quick format. it will be amiga dos formatted card then and not fat.
i suspect you need it working as FAT to move files though.