I am logged in to the server as my workstation user name and password.
Update 2:
When I log into the server at home, the only folder the pops up is "/".  This folder is empty and I cannot access any other folder.
I just tried to do an annonymous login (no user name or password at all) into the server and I was granted access.  The only folder that popped up is "/" and this folder is empty.  Just like at home.  My guess is that even though I am logging into the server with a valid user name and password, it's giving me the annonymous login privliges.  I just don't know why.  Could it be because when I log onto the server using CuteFTP, I am logging in from within the network?  Could this server change the privliges if it doesn't recognize the IP address of my computer at home even though I have a valid user name and password?
Just tossin around ideas.  Also, I have tried accessing the folder where the files are stored (using "Network Neighborhood in Windoze) and changing the access privliges.  In the properties box, it says that "Everyone" has read/write privliges to the folder and the files.  When I access the folder in CuteFTP and bring up the Properties (CHMOD) box, it says that Owner, Group, and Public all have read, write, and execute privliges.  But when I access the file itself in CuteFTP and bring up the Properties (CHMOD) box, it says that only Owner and Group have Read/write privliges and Public has none.  Also, I tried to change this and it kicks back an error saying the command was not recognized.
Sorry for the length. Just tryin to be specific.  
 Thanks for the reply, flap!