Expected format '3' of repository; found format '4'

Hi folks

I have installed the subversion-1.2.3-3mdk &
subversion-server-1.2.3-3mdk packages on a Mandriva 2006 system.

I create a repository using
svnadmin create /home/nigel/.svn - all seems fine and a repository is
created. In the repository is a file called "format" and its contents
reads "3".

Next I want to import my files with
svn import temp file:///home/nigel/.svn/rubyjots -m "initial import"

and I get
Adding temp/rubyJots
Adding temp/rubyJots/trunk
Adding temp/rubyJots/trunk/rubyjots
Adding temp/rubyJots/trunk/rubyJots.rb
Adding temp/rubyJots/trunk/icons
Adding (bin) temp/rubyJots/trunk/icons/paste.gif
Adding (bin) temp/rubyJots/trunk/icons/date.gif
Adding (bin) temp/rubyJots/trunk/icons/expand.gif
Adding (bin) temp/rubyJots/trunk/icons/up.gif
Adding (bin) temp/rubyJots/trunk/icons/filenew.gif
Adding (bin) temp/rubyJots/trunk/icons/redo.gif
Adding (bin) temp/rubyJots/trunk/icons/cut.gif
Adding (bin) temp/rubyJots/trunk/icons/bluetext.gif
Adding (bin) temp/rubyJots/trunk/icons/print.gif
Adding (bin) temp/rubyJots/trunk/icons/filesave.gif
Adding (bin) temp/rubyJots/trunk/icons/erase.gif
Adding (bin) temp/rubyJots/trunk/icons/fileopen.gif
Adding (bin) temp/rubyJots/trunk/icons/collapse.gif
Adding (bin) temp/rubyJots/trunk/icons/delete.gif
Adding (bin) temp/rubyJots/trunk/icons/attach.gif
Adding (bin) temp/rubyJots/trunk/icons/undo.gif
Adding (bin) temp/rubyJots/trunk/icons/move.gif
Adding (bin) temp/rubyJots/trunk/icons/down.gif
Adding (bin) temp/rubyJots/trunk/icons/highlight.gif
Adding (bin) temp/rubyJots/trunk/icons/emphasis.gif
Adding (bin) temp/rubyJots/trunk/icons/copy.gif
Adding temp/rubyJots/branches
Adding temp/rubyJots/tags

Committed revision 1.

Everything still looks good

I now try
svn checkout file:///home/nigel/.svn /home/nigel/Projects

and the reply I get is
svn: Can't open file '/home/nigel/.svn/entries': No such file or
directory

correct: there isn't.
If I now look in the file "format" the contents now reads "4"

If I do another
svn checkout file:///home/nigel/.svn /home/nigel/Projects

I get
svn: Unable to open an ra_local session to URL
svn: Unable to open repository 'file:///home/nigel/.svn'
svn: Expected format '3' of repository; found format '4'

Anyone got any ideas.

Cheers
Nigel