Micro SD Card Disk Struture: Read via SPI mode (PIC/SPI) vs read via PC/card reader (dekk______0)

I created a simple file called "generic.txt" contiaining "88888888882222222223333333333" and stored it to a Panasonic, SDHC, 4 GB micro SD card formatted for FAT 16. I am using Microchip AN1045 as a "Disk Drive File System" reference. When I read (single ..