svnserve.conf errors

["dma2005@yahoo.com" <dm...@yahoo.com>]

Hi all,

I am very new to subversion and every time I try to
use a svnserve.conf and password file I get the
following error:
svn\repository\conf\svnserve.conf:1: Section header
expected

or section header must start in the first column. 

I literal took the default svnserve.conf file and
deleted the '#" charactors and everything else besides
what is seen below. There are no other 'viewable'
characters in this file. Why would subversion have
problems parsing the sections? I dont get it.  

Below is what my svnserve.conf looks like:
[general]
anon-access = none
auth-access = write
password-db = users.txt

users.txt looks like

[users]
john = 123test

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