thanks for the feedback bill. I actually solved this problem by taking a look at the Apache manual. So in case you, or anyone else is interested, here's how it works:
first i set up an ErrorDocument directive in my virtual server configuration (in httpd.conf) that looks like this:
ErrorDocument 404 /myScript.php
(that's a path to myScript.php from the v-server document root).
then in myScript, I used $REQUEST_URI to determine which URL the user tried to access. I compare that against a list of user names. If there is a match, I redirect to the appropriate user profile... if not, I send them back to "/".
this was the best alternative I could think of to avoid creating a directory off root for each user.
cheers
marty