I tracked down the problem... it was a network change on my end that caused it all. I got IDSL and the NAT boffed my FTP connectivity.
To fix under Windows with IE5 or greater...
- Open Internet Explorer
- Go to Internet Options under the Tool menu
- Go to the Advanced Tab
- Check "Use Passive FTP (for firewall and NAT compatibility)"
- Close all IE windows.
Voila - working FTP and web folders.