Just as a follow up, incase anyone else ever runs into this - the problem was with my Shorewall Firewall; I need to keep it(Shorewall) running because my old Lynksys router has a bug to where it does not re-direct ftp port properly, so I have my server in DMZ mode, with Shorewall.
I guess I don't have all the proper ports cleared under shorewall yet.
I stopped the firewall, then rebooted after setting dmz off - everything worked fine then.
So I'll go back to Shorewall, and work with the ports there.
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