Yours is the closest I've gotten to finding something that works.  I have the code in place in my program with necessary name changes (destination folder and FileUpload object).  Stepped thru it in debug with great expectations only to find it errored at this line:

newBmp.Save(MapPath(filePath), System.Drawing.Imaging.ImageFormat.Jpeg);

with this message: "A generic error occurred in GDI+"

It was a 2MB jpg file, nothing weird.  Please help as I have no idea what to do to fix this.  Thanks!