Hi,
As you mention the mobile reboots when you save fiels to memory card,it seems memory card contains virus.
When you formatt the phone please format your memory card also.If you have virus in your memory card again it will affects the phone again even though you formatted the phone.
Before formatting the memory card please take the backup of the content in memory card because all content will be deleted when you format it.
Please view video how to formatt the memory card.
http://www.youtube.com/watch?v=rdMHyOOPKkQ
After formatting both phone and memory still the problem presists then this may because of the software problem.please go to NOKIA CARE and reinstall the software.
Thank you
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