I lied....still having a problem, I am just about to conclude that it is with Hardy and might go back to Gutsy. Here's that section of the fstab:
/dev/sdb5 /media/BACKUP vfat defaults,umask=000 0 0
/dev/sdb6 /media/disk vfat defaults,umask=000 0 0
They are the same thing (two partitions of external). Upon reboot I tested both, the backup works no problem while the other partition (the one I need most of the time) comes up with an error saying I don't have permissions to mount the drive! How can this be possible when they are IDENTICAL other than sdb5 vs sdb6!?!?! Then I do sudo mount /dev/sdb6 /media/disk and I get no problem but then it's back to I can't delete files as regular user (it's my 250 gig external with all my stuff on it and I delete/add often

)
Any suggestions?