The combination of all these helpful ideas solved the problem.
I set AV settings to HD and Apple Intermediate Codec HDV 1080i/60 AND set the cameras output to "locked" HDV. Funny, it had been on "A" (Auto) before and should have simply sensed the need for HD output. I then tried to capture using "A" again and this time it detected the difference between SD footage and HDV footage (I had clips of both kinds on the same tape).
I ran similar capture tests on FCP 5.1, FCE 4, and FCPX and all three programs captured HDV video and audio.
Thanks again everyone. Be sure the camera is set to output HDV or "A".