Why won't my psx emulator save/load my game?

i can use the save state function but i can't save the game to the memory card(directory). i did everything i am suppose to and i even checked the memory card and the game data is on there. but for some reason when i try to load the game from the "load from memory card" in the game it says there is no game data. DETAILS: i start the emulator and choose dragon warrior 7, the game starts and shows the title screen. when i try to load game it says there is no saved game on memory card. so i end game and check memory card; like when you run a playstation without a disk and get the cd player or memory card screen. i enter the memory card section and my saved game is on the memory card. so my game is being saved but won't load. what can i do to fix this problem. i know using the save state is easier but when it comes to games with 2 or more disks i'm pretty sure i need to be able to load from the memory card. thanks for any and all help with this problem.