I just wanted to get this written down somewhere about management of users in SVN.
After setting it all up there is a specified file that contains user names and encrypted passwords for svn users. Mine is called user.list. It resides in the svn install dir under repos. To add users to it simply use the htpasswd2 -m command like so:
htpasswd2 -m user.list john
Then it will as you to enter a password twice.
the -m option says to use MD5 encryption of the password.
Now I know this may seem dumb to some of you but there was not a whole lot of examples for my specific setup on openSuse 10.2 .
Hope this helps someone.