samba - Oct 2003 - help!: session setup failed: ERRDOS

I have read the docs and I have googled, and I have been unable to fix
this problem.  I have samba 3.0 installed on RH8 and when I have
settings like:

[global]
   netbios name = DYER-PC-JO
   workgroup = DYERLAB
   server string = SMB Server Test
   security = share

[public]
   path = /tmp
   guest ok = yes
   writeable = yes

I can mount my share wonderfully in with both RH9 and OSX as clients. 
But this isn't very secure, so when I change this to:

[global]
   netbios name = DYER-PC-JO
   workgroup = DYERLAB
   server string = SMB Server Test
   security = user
   encrypt passwords = yes
   smb passwd file = /usr/local/samba/private/smbpasswd

[public]
    path = /tmp
    valid users = jorvis
    writeable = yes

I can't connect in OSX or RH9.  I use this command in RH9:

[root@mylaptop samba]# smbmount //myiphere/public /mnt/public -o
username=secret,password=supersecret

but I get this error:

session setup failed: ERRDOS - ERRnoaccess (Access denied.)
SMB connection failed

I have setup the smbpasswd file, ran "smbpassword -a jorvis" and set
the
password.  I have an UNIX account on both the host and client and both
have the same password.

This connection method works fine when I have security = share and guest
= ok, but I want to use user-level security.  

Can anyone tell me what step I am missing?

Thanks!

Joshua Orvis