---I agree with Craig.
scary thought
---
----You will have to add the users homedirs by hand before they can login and that's the final piece I'm trying to solve. samba's add user script doesn't work for me.
This is likely what you are looking for...
<http://www.google.com/linux?hl=en&lr=&ie=UTF-8&q=pam_mkhomedir.so&btnG=Google+Search>
sorry about the html - used it to hold long URL together in one line.
Craig