I was trying to install vsftpd but had serious problems because it
said "this FTP server is anonymous only" even though I had said NO
anonymous allowed, and didnt specify anything in the config file about
userlists, etc.

I saw lots of threads pointing people to put their config file in
different places, etc... that didnt help me...

apparently by defauly the version i got via rpm is compiled with
userlists enabled... so to fix I created a file called

/etc/vsftpd.user_list

with my username..

Now it works great! and, its fast. Wanted to put that on record in
case it helps someone else