FTP Accounts setup

I have a Windows 2000 advanced server. I am tring to configure the default ftp site to allow access to multiple ftp users. I want each user to ftp in thier own Home Dir, w/Full control. They then will be able to browse up the site with read only access. I do not want to allow anonymous access. Each user will only be able to log in to their site using their User account ID and Password. I have set up each user with their own Virtual Directory ftp site under the default. Each site maps to their home dir. To this point I only have success with Anonymous user check. Can anyone assist me with getting this to work with out anonymous. Thanks.