"Is this the most effective way to do this?"
Yes.
"I would like to have /usr1 show up when I do an 'ls' from the / directory. "
There is nothing sacred about the /mnt directory. Putting mount points in the /mnt directory is simply a convention. So you could create /user1 as a mount point instead of using /mnt/user1. You also could make a mountpoint called /home/user1/user1 if you wish.
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Be prepared. Create a LifeBoat CD.
http://users.rcn.com/srstites/LifeB....home.page.html
Steve Stites