Nevermind....all fixed..i feel like an idiot.
I guess, somehow maybe when it fell off my lap to the ground a foot, my memory card bounced out of the slot but my SD card cap on the side of the phone stayed on....so i opened it out of curiosity and saw it was sticking out. put it back in, rebooted the phone, and walla.

thx for help tho guys. much appreciated.
Adam