samba - Jan 2000 - Share name must = vaild user?

I have been having a heck of a time trying to setup samba with "security
share"

I have the following shares and related config files defined yet windows
95/98 clients get password rejected when trying to connect to the shares.
However I have found that if I call the share the same as the user in the
valid user parameter the
can connect fine. I have tried  the "username map" parameter thinking
that
perhaps the client's where sending mp3private/mp3public as the username.
 not that a
username should be required on a share security level )

I have no idea why this is happening. Is this how share level works? Must
shares be named
the same as the username?

Below is all my config.

Directory Access:
drwxr-xr-x   8 mp3admin  mp3admin      512 Jan 25 17:22 mp3

SMB.CONF file:

[global]

   workgroup = OURGROUP
   server string = MP3 File Server
   log file = /var/log/log.%m
   max log size = 50
   security = share
   encrypt passwords = yes
   socket options = TCP_NODELAY
   dns proxy = no

[mp3private]
   comment = MP3 Archive Administrative Access
   path = /mp3
   valid users = mp3admin
   public = no
   writeable = yes

[mp3public]
   comment = MP3 Archive Public Access
   path = /mp3
   valid users = mp3guest
   public = no
   writeable = no

SMB Password File:
mp3admin:1001:B897D9EF6C1BCA32AAD3B435B51404EE:1113F5D5D14D9501D1534DB89B3F2
C80:[U          ]:LCT-388D6C48:Nik...
mp3guest:1002:6AC10AC7A9D7D186AAD3B435B51404EE:2059DAA6D1CB7DBE5F8F2D7AB6B68
3B6:[U          ]:LCT-388D6C4E:Nik....