> Your using Apache for your web server?
> 
> If so, you need to add
> 
> UserDir /home/*/
> 
> to the Apache config file.  This will direct any requests for
> 
> www.yoursite/~username
> 
> to the home directory of that user.

Of course that opens up a whole can of other security problems.  Since Apache is 
run as a non-root process it needs to have global read on all files and folders 
in those directories to display them.  By doing that you need to lock down each 
of those home directories with either .htaccess files or something else to keep 
everyone from seeing everyone else's files on that system.