I have a Nokia 6820 wireless phone and want to transfer Palm Desktop
files or Apple Address files from my G4 Apple Laptop. The computer and
the phone are bluetooth enabled and I have managed to copy files
betweent the two. But I can't read the file from either  format once
it is tranferred to my phone. I use Mac OS X 10.2.8. The question: How
can I get contact files from either my Palm Desktop program or my
Apple Address program (both on my Apple G4 laptop) to my Nokia 6820
phone in a format where they can be read on the phone?

You need a program that can communicate with your specificate phone.
You can try apple's free program isync ( it is included with OSX) if
not then search on download.com for one)