Hi Reg
It can be done by editing the apache templates, but I can't remember how. Why not use the Ibay instead. Just do the following:
1) Create an ibay and choose the username you want to have access to it. Set the "Public access via web or anonymous ftp"-setting to "Entire internet (no password required)".
2) Upload the files with ftp like this:
login: username
password: the users password

remote start folder: /../../ibays/ibayname/ (replace ibayname with the name of your ibay)
3) Then connect to your ibay like this:
http://your.ip.add.ress/ibayname/ Or
http://primary.site/ibayname/Thats it. If you like you can use some sort of PHP fileindexer/filemanager.
http://hotscripts.com is a good place to start. Personally I like WEBinsta, PHPFM and The Hunter but to each his own. I also like to create a
http://dyndns.org free domain and then give my friends that address instead of the ip-address.
Good luck!
Rune
Denmark