Andy,
I think I solved the problem.
When I went to audio mixer in FCP and then went to A1/A2, I put the balance of A1 on the very left and the balance on A2 on the very right and then I could see on the master audio meter the difference of right and left. (we recorded one channel with a radio mic and the other with a boom).
It is still a bit weird why i have to do that but at least i saw that the XD CAM Transfer program didn’t import my audio as mono.
Best wishes,
Ling