Solution:
Found that I had to do the following to get
FTP to work:
1. vi /etc/passwd
insure that user "ftp" had a home directory
that was in writable user space, say /home/ftp.
2. In the /home/ftp directory, made a subdir
called "incoming" (can't do a root ftp put
in the FTP home, anonymously).
3. chmod/chown such that....
drwxr-xr-x ftp root incoming
4. QED, huh! Works now...finally.