You shouldn't need to put a username/password in your eqemu_config.xml. At least, I have never had to. I created the server operator account for my server (long ago so I cannot recall how or why I did it), set my variables LoginType to "public", pointed the <loginserver> XML to eqemulator.net:5998, and it all worked pretty much out of the box.
Poke around the Wiki or the forums some more. There are many examples of precisely what the eqemu_config.xml should look like for Minilogin -and- Public servers.
Also note, if you hook your server to the Eqemulator LS and do not lock it, we are all able to login and create naked female wood elf toon corpses.
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