We are using windows accounts.  The Domain controller we were using was being phased out (without our knowledge).  Once we found that out, adjusted the forms configuration to point to the new upgraded domain controller and unfortunately that didn't work either.  We then pointed Forms to an older Domain Controller (one that isn't being phased out or upgraded quite yet) and everything worked like it should.  This is only a temporary solution as all of our Domain Controllers are being upgraded to a newer version.  So we are currently looking into the comparability between forms and Domain Controllers.