What happened when you originally started the firmware download, and what message(s) did you receive from the switch? The problem may be due to a firmware update gone awry, but does not mean there is something terribly wrong.
Some of the phones are different, and you get different results from the phone's on-screen update status. Of course, you should never do an update when the phone could possibly be used (warnings of corruption ring deep in my mind). Nevertheless, I would go to load 22 and do a print of your PSWV
LD 22
REQ prt
TYPE pswv
after a boatload of things are printed, the bottom portion contains your firmware versions for all 3900 phones. In my case, I am on version 92.
Then go to LD 32 and put the TN in of the phone in question to see what firmware version it is on:
.fwvu 4 0 5 15
****M3900 VERSION REPORT****
TERMINAL TYPE = 020
CORE FIRMWARE VERSION = 024
FLASH FIRMWARE VERSION = 090
If your firmware version matches, then you do not need to update it.
For the phone that failed, I would probably just take the phone and connect it at the right on the TN. Then try to do the FDLU one more time. Just keep an eye out for any messages from the switch.