the login and password fields in the loginserver.ini should be left blank as I recall (im not possitive)...
I think its only in the db.ini you need to specify login and password for the database access - no place else
About the time of day error.. I think everybody gets it - its not important, I hope
Anyway, hope that helps - someone else back me up about the loginserver.ini login/pws fields or correct me please - cause Im not sure... Just try to leave em out though, heh.