안녕하세요, 산이님..  .htaccess을 이용한 사용자 인증은 아파치
웹 서버의 자체적인 기능인데 당근히 아파치 실행 파일에
있죠.. 제가 왜 그 생각을 몬했죠? 
암튼 htpasswd를 실행시켜 .htpasswd파일을 생성하는데에는
 아무런 문제가 없었습니다.. 

근데 브라우저 상에서 이러한 에러가 나네요.. 
Internal Server Error
The server encountered an internal error or misconfiguration and was unable to
complete your request.
Please contact the server administrator and inform them of the time the error
occurred, and anything you might have done that may have caused the error.

More information about this error may be available in the server error log.

나름대로 자료를 찾아보니깐 .htaccess파일이 있으면
httpd.conf파일보다
 우선권을 가진다구 하데요.. 그리구 .htaccess파일을 읽으려면
Override를 None으로 두면 안된다구 해서.. all로도 주고,
AuthConfig로도 줘보고 그랬는데 해결이 안되네요.. 

----------------------httpd.conf내용
 ------------------------------

#
# Each directory to which Apache has access, can be configured with respect
# to which services and features are allowed and/or disabled in that
# directory (and its subdirectories). 
#
# First, we configure the "default" to be a very restrictive set of 
# permissions.  
#
<Directory />
    Options ExecCGI Includes FollowSymLinks
    AllowOverride AuthConfig 
</Directory>

#
# This controls which options the .htaccess files in directories can
# override. Can also be "All", or any combination of "Options",
"FileInfo", 
# "AuthConfig", and "Limit"
#
    AllowOverride AuthConfig 

#                                                                               
# Control access to UserDir directories.  The following is an example           
# for a site where these directories are restricted to read-only.               
#                                                                  <----
이부분은 제가 out시켰거덩여..
 ->             
<Directory /home/*/public_html>                                                 
    AllowOverride All                                                           
    Options MultiViews Indexes SymLinksIfOwnerMatch IncludesNoExec              
    <Limit GET POST OPTIONS PROPFIND>                                           
        Order allow,deny                                                        
        Allow from all                                                          
    </Limit>                                                                    
    <Limit PUT DELETE PATCH PROPPATCH MKCOL COPY MOVE LOCK UNLOCK>              
        Order deny,allow                                                        
        Deny from all                                                           
    </Limit>                                                                    
</Directory>    

#                                                                               
# "/usr/local/apache/cgi-bin" should be changed to whatever your
ScriptAliased  
# CGI directory exists, if you have that configured.                            
#                                                                               
<Directory "/usr/local/apache/cgi-bin">                                
        
    AllowOverride AuthConfig                                                    
    Options None                                                                
    Order allow,deny                                                            
    Allow from all                                                              
</Directory>     


음.. 이상입니다.. 밥먹고 다시 고민해야겠네요...