OMG! At last I've get info from SD card. That was painful 
At the begining I used HP card 16 MB (card comes with my HP PhotoSmart 850 photocamera) and my Duemilanove don't initialize it. Then I tried with SanDisk SD 128 MB card and yes - it works! I use fat16 library.
I've get my Duemilanove some weeks ago and I preffer to write in Assembler, so I will try to put all this stuff in that language, because, if compiled C sketch (.PDE & .CPP) have length of 9 KB, then Assembler output will be smaller ~10 times and more. So I think Assembler code will be better choice for our small friend - Arduino with 16-32 KB memory onboard.
Thank You guys! I'm very happy! 
Now my fantasies about robots and machines are going deeper and deeper.
One question - isn't there problems for FAT16 reading card with big capacity? isn't there a limitations?
I search in google and got answer - "The size limit for logical drives using the FAT16 file system in Windows Me/98/95 and MS-DOS is 2GB." Is it because of these systems, or FAT16 structure cannot hold values bigger?