[Samba] can't get into home dir share (username stuck on "guest")

[Chris J. Bottaro]

i have my samba-2.2.7a setup to share home dirs as follows:
[homes]
	browseable = yes
	writable = yes
	valid users = %S
	create mode = 0664
	directory mode = 0775

the problem is that when logged on as a given user in windows, that user will see his/her home dir in "my network places", but when he/she tries to enter it, a dialog comes up prompting for a password only.  the input field is greyed out but filled in with "computername/guest".

how can i remedy this problem?

thanks for the help.