Chris
I finally figured out the problem!
I didn’t know what you meant by the Control Panel login. The only login I had ever tried was going to http://www.domain.com/system/index.php I thought that was the login to the site. I didn’t realize that WAS what you call the CP login. I thought the CP login was yet another login.
So I realized I had to go to www.domain.com/index.php, and click on the Login button THERE. Then I was able to login as the member user. Dah!!
Hope this posting helps someone else figure out the difference based on the URL.
CP login: http://www.yourdomain.com/system/index.php
Site login: http://www.yourdomain.com/index.php (then click Login link)
Case closed!