If you ever have any trouble theming fieldgroups in Drupal 6 here is a list of steps to take to get it working
From here on all fieldgroups set to simple display will use this file as its template, if however you want a more specific template for a certain fieldgroup you can now duplicate your fieldgroup-simple.tpl.php and use the following pattern.
fieldgroup-simple-group_my_fields.tpl.php where group_my_fields is the machine name of my fieldgroup
More details of the naming conventions can be found in the modules template preprocess
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