samba - Oct 2003 - permissions wrong on mapped drive in windows XP (samba3)

desktop systems here mount drive h: as their home area...

I'm trying to use the ssh program from cygwin which uses 
HOMEDIR/.ssh/id_rsa 

ssh complains bitterly about the id_rsa having the wrong permissions

on the server
ls -l says
-rw-r--r--    1 sfchase  labusers      230 Oct 21 17:25 authorized_keys
-rw-------    1 sfchase  labusers      883 Oct 21 17:18 id_rsa
-rw-r--r--    1 sfchase  labusers      230 Oct 21 17:18 id_rsa.pub
-rwxrw-r--    1 sfchase  labusers      229 Oct 21 17:52 known_hosts

however on the client 
H:\.ssh>ls -l
total 4
-rw-r--r--    1 sfchase  mkpasswd      230 Oct 21 17:25 authorized_keys
-rw-r--r--    1 sfchase  mkpasswd      883 Oct 21 17:18 id_rsa
-rw-r--r--    1 sfchase  mkpasswd      230 Oct 21 17:18 id_rsa.pub
-rw-r--r--    1 sfchase  mkpasswd      229 Oct 21 17:52 known_hosts


uh - what's mkpasswd - 
why are these permissions set?

thanks!

brad

here's my homes share definition
[homes]
        comment = Home Directories
        read only = No
        create mask = 0774
        directory mask = 0775
        nt acl support = Yes
        oplocks = no
        browseable = No

those masks are documented as creation only but i tried removing them ->
no effect

-- 
Bradley W. Langhorst <brad@langhorst.com>