okay, I'm going to guess then that you have a DWL-520 revision E or E1. For those, even though they use the Prism2.5 chipset, they load their firmware on boot (it's not flashed on or anything). You need the HostAP drivers from here:
http://hostap.epitest.fi/ . I know other people have gotten their revision A, B, E, or E1 cards to work with the HostAP drivers.
Note: Dlink is an idiotic company, especially with their naming scheme. There are 7 revisions of the DWL-520 card (A, B, C, C1, D, E, and E1). A and B are normal Prism2.5 cards. C and C1 use the ADM8211 or C1 may possibly use the ADM226 chipset. D use the RTL8180L chipset. E and E1 both use Prism2.5 but with firmware loading on boot.