I just setup a new directory with Htaccess. I Created a user with access to it. However, when I login to my ftp and try to transfer a htm file it won’t let me. It appears as though I have read only access.

Any suggestions?

htaccess users and ftp users are entirely different things. Tell us what you want to achieve and we can explain how you might be able to do it.

Free unique IP and $67 off with promo code [color=#CC0000]FLENSFREEIP67[/color] or use [color=#CC0000]FLENS97[/color] for $97 off. Click here for more options

It almost sounds as though you may have also set it up to be a webDAV directory; if you did, ftp will not work with it at all.

Go back and check in the panel, and make sure you have only set up password protection, not webDAV, and try again.