I have a Kodak digital camera, and Windows recognises it without any additional software, so I can't see why it doesn't recognise a Nikon.
Can I suggest you uninstall any additional software you have installed for the camera, and see if Windows will recognise it without? Also, make sure the camera is powered on when you plug it into the USB port.
Just one other thing, are you using the USB ports built into your motherboard, or is it a hub of some sort?