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No. According to the camera specifications, the DMC-FZ20 works with SD cards. While SDHC cards will fit into the slot, they will only work if the device has been designed to work with them. You'll need to use SD cards, 2GB and smaller. You also don't need to worry about speed. Any SD card you can buy now will be fast enough to keep up with the camera.
You don't really need it in order to use your camera.
The best way to download pictures from your camera to your computer involves removing the memory card from the camera and plugging it into a card reader (either built-in to the computer or connected via USB or FireWire). This is likely to be faster than connecting the camera to the computer, and won't run down your camera's batteries.
Once the card is plugged in, it will appear to your computer as a removable drive. You can use the operating system's drag&drop facility to copy pictures from the card to the computer's hard drive.
Despite what I said first... There are plenty of photo catalog software packages out there, some free, some not, that can transfer and catalog your pictures so you can quickly find pictures from Susie's birthday party, for example. Just do a google search for "photo catalog software".