I found this answer on the Nikon web site.
3) Camera displays “CHA” in top LCD.
The camera has detected an invalid partition type or is not working
properly. Reformatting the memory card may allow it to be used. If an
approved memory card causes the camera to display the "CHA" indicator
contact the memory cards manufacturer for assistance.
Please
note that the default disk format used in Windows XP is FAT32 and if a
card is formatted with this setting on an XP system, a D1 series camera
will report "CHA". Reformat the card as "FAT" to use in the D1 series
camera.
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