I must be missing something simple here (I feel like Phil's terminal)

I'm trying to set up a ftp server on my local network (get it working 
b4 putting it in the wild.)  I can connect to it from my Win98se box 
but can't login.  

user exists in /etc/passwd, not listed in /etc/ftpusers, shell==bash 
(in /etc/shells), not anonymous

ftpd is running through inetd and ps ax shows: ftpd: <address>: 
connected:IDLE

Jay