Not a good sign I'm afraid to say.
If the 'dark spot' is coming through into the pictures that means some pixels are not sensing light.
They will look square shaped if you expand the picture on your PC.
If the lCD was faulty (or had some dead spots) this would show when focussing and taking pictures, but, would not show in the final picture.
I'm assuming you have cleaned the lens (just in case) there is a 'dirt' spot that a finger could have put there. (clean with damp soft tissue )
There is a Panasonic help site which I checked but most reported problems were USB connections and battery life etc .. Try it and ask anyway - can always ask -- Ray
http://www.retrevo.com/support/Panasonic-DMC-FH20-Digital-Cameras-manual/id/23641dj090/t/2/
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