LinuxQuestions.org - win XP can't connect to linux box using samba

I'm trying to network my Win XP (Pro) computer with my Mandrake 10.0 box (just for simple file sharing). I've set up samba and I can see my mandrake share folders from the win xp network neighborhood and I can even get the Win XP machine to connect to a public shared folder on the linux box which doesn't require a username or password (see [tmp] in conf file below).

What I can't do though is get win xp to connect to my linux box /home/user folder using username/password authentication. I added the samba user (smbpasswd -a user). Here's some of my smb.conf file:

[global]
workgroup = WORKGROUP
netbios name = NAME
server string = NAME

log file = /var/log/samba/log.%m
max log size = 50

map to guest = bad user

security = user
password level = 8 # My samba password is 9 characters
; username level = 8
encrypt passwords = yes
smb passwd file = /etc/samba/smbpasswd

wins support = yes

socket options = TCP_NODELAY SO_RCVBUF=8192 SO_SNDBUF=8192

[tmp]
comment = Temporary file space
path = /tmp
read only = no
public = yes

# This temporary file space works perfectly

[user]
comment = user directory
path = /home/user
valid users = user
public = yes
writable = yes
printable = no

When I try and connect through win XP, it gives me this error:

\\NAME\user is not accessible. You might not have permission to use this networks resource....Multiple connections to a server or shared resource by the same user, using more than one user name, are not allowed. Disconnect all previous connections to the server or shared resource and try again.

Do I have to be logged on to my win xp machine as the user that I'm trying to connect as on my linux box? I can't think of anything else.