VSFTPD - 530 - incorrect login error

Hello,
We have a redhat 9 system installed in a i686. We tried installing
vsftp to the same and downloaded the tar.gz file. We made the binaries
and we installed it. It is running now. When we try to connect to this
machine using ftp, we get a error 530: incorrect login error. The
username and password are fine and the vsftpd.user_list is missing in
/etc.
The following are my vsftpd.conf file settings:
# Access rights
anonymous_enable=NO
local_enable=YES
write_enable=NO
anon_upload_enable=NO
anon_mkdir_write_enable=NO
anon_other_write_enable=NO
# Security
anon_world_readable_only=NO
connect_from_port_20=YES
hide_ids=YES
pasv_min_port=50000
pasv_max_port=60000
# Features
xferlog_enable=YES
ls_recurse_enable=NO
ascii_download_enable=NO
async_abor_enable=YES
userlist_enable=NO
# Performance
one_process_model=NO
idle_session_timeout=120
data_connection_timeout=300
accept_timeout=60
connect_timeout=60
anon_max_rate=50000
Kindly let me know how to correct the same in redhat 9. Thanks in
advance.
Sincerely yours,
Murali