Here's the code:
private void SaveUserXml(string user, XmlDocument doc)
{
   FileStream file;
   FileIOPermission perm;
   XmlTextWriter writer;
   string xml;

   try
   {
       doc = new XmlDocument();
       xml = Server.MapPath("/protoLogin") + "\\xml\\" + user + ".xml";

       file = File.Open(xml, FileMode.Create);
       writer = new XmlTextWriter(file, null);
       doc.WriteTo(writer);
       writer.Close();
       file.Close();
   }
   catch (Exception ex)
   {
       int i =  0;
   }
}
Here's the exception I get:

"Access to the path \"D:\\work\\protoLogin\\xml\\sonny.xml\" is denied."

Any thoughts on this would be greatly appreciated.

thx...sonny