I have built/installed/configured vsftpd on Red Hat

I'm trying to set it up so users (no anonymous) can login for file uploading over the network.

This is what I'm getting when I try to connect from a client

> ftp serverIP
Connected to serverIP (serverIP).
220 (vsFTPd 2.0.3)
Name (serverIP:sdc): myLogin
331 Please specify the password.
Password: myPassword
530 Login incorrect.
Login failed.

myLogin and myPassword are obviously a valid combination for logging into the server.
Any thoughts on what I'm doing wrong would be greatly appreciated.

Thanks
Drew

files:
------------------------
/etc/vsftpd.conf
----------
anonymous_enable=NO
local_enable=YES
xferlog_enable=YES
connect_from_port_20=YES
listen=NO
userlist_enable=YES
userlist_deny=NO
userlist_file=/etc/vsftpd.user_list
pam_service_name=vsftpd

------------
/etc/vsftpd.user_list
----------
myLogin
...

------------
/etc/vsftpd.ftpusers
-----------
root

-----------
/etc/pam.d/vsftpd
-----------
auth required /lib/security/pam_listfile.so item=user sense=deny file=/etc/vsftpd.ftpusers onerr=succeed
------