Mike,
A couple of points when using USB 2.0 or FireWire PC cards:
-They do not supply the same voltage to the device like the built-in USB and FireWire ports. Generally any device beyond a USB keyboard or mouse requires its own power supply.
-USB PC cards use a variety of USB2 controllers and some are not fully compatible with Apple's USB 2.0 drivers. One symptom of an incompatible card is the inability to transfer a large file transfer or even initiate a small file transfer.
-If you are connecting a 2.5" USB HD, you should get enough power for the HD; if connecting a 3.5" HD, you probably need to connect its power adapter. Generally, if the HD mounts on the desktop, there is enough power but I cannot be sure.
If power is not the issue, I would buy a known-compatible USB 2.0 PC card like this one:
http://eshop.macsales.com/item/ADS%20Technologies%20Inc./USBX2001/
This card offers an optional AC adapter to directly power the PC card:
http://eshop.macsales.com/item/IOGEAR/GPU202/