With your regular SIM card in place, try going to the dialer and using ##7820# (you may or may not have to press call). It should open up a screen that has a lock either closed or open with a field underneath and a dimmed out check mark in a circle. If the lock is open your cell phone is unlocked, if it's closed you can enter the 20 digit Nokia unlock code here. The dimmed check mark will brighten white and you tap on it. After the phone spends a number of seconds running through the unlock screen the lock will open. Your phone is now unlocked.
There is also a section under Settings in the "extras+info" section where it says SIM Unlock and a version number. However, I don't think that means your phone is unlocked, I think it's the version of your SIM Unlock application and determines what method you use to do an unlock. My version is 1.0.0.5 and that may be why I can unlock with my regular SIM card in place and going to the dialer. Just guessing here - not really sure.
That's the best I can do for you.