Why does 'ssh' and 'scp' work to one and not another?

[joe at actionline.com]

.
Brian Cluff wrote:
>> Does your joe account on 73 have a restricted
>> or non-shell in the /etc/passwd?

Eric Cope wrote:
> sounds like ssh isn't accessible on 73. Is that true?

I guess that must be true. How can I fix that?
That is the question. 

'sshd_config' is identical on 73 and on 68
where ssh and scp both work (on 68). When I 
try ssy from 68 to 73, this is the result:

$ ssh 192.168.0.73
joe at 192.168.0.73's password:
Permission denied, please try again.
joe at 192.168.0.73's password:
Permission denied, please try again.
joe at 192.168.0.73's password:
Permission denied (publickey,password,keyboard-interactive).