Yah its normal. my mac wont charge unless its below 95% charged, I have 9 cycles on battery and had the mbp when the the day the penryn's mbp's launched
It depends - do you mean you are charging it and it reaches 97% and then stops? Then your battery needs to be calibrated.
If you mean you have noticed it on 97% and it not charging - Mac Books don't charge the battery until it drops to around 95% to prevent excessive charge discharge cycles while it is plugged in.