This was said on the Fedora Core Mailing list about FC3: Apache Problem:
!
!You need to grant execute access to "other" on their home directory:
!
!chmod o+x /home/[user]
!
Also there are limitations set if you are using SELinux. You should read through the
release notes on the first CD (or on the DVD). It has a couple of links to what you have
to do for Per-User directories under Apache.
--
James McKenzie
A Proud User of Linux!