[Samba] Best Way to Securely Mount SMB/CIFS Shares

[lists at openenterprise.ca]

Although I am comfortable mounting smbf/cifs shares for myself, as root,
I am trying to determine the optimal way to have users get specific
mounts, without having to put in any user account details in fstab, and
specific mounts for specific users. I know I can create a .credentials
file in each users /home/user folder and point to that in fstab. But I
dont want to have multiple lines in fstab for each user. 

Can a mount line be added to a users bash_profile and using a hidden/hashed

credentials file? or something similar so that only those mounts needed 
for any particular user are mounted when they log in. Rather than in 
fstab and mounted for everyone?


Or maybe there is another way to securely create different windows share 
mounts for different users without having them in fstab?

CentOS 5.3, x86
Samba: 3.033375