What you describe sounds like the CCD sensor is defective.
It is not something you can fix yourself.
You should call Fujifilm repair and see what they say.
They should be able to give you a ballpark figure for repairs.
My Fujifilm Finepix F200 has been working fine until I turned it on one day and all I saw was a band of white/purple line across the screen. The menu displays fine as well as all the pictures on the SD card. Once I try to take a picture, all it records is that same band across the screen. Any ideas about what is going on? Is the cost for repair worth it?