Problem with MS Access 97 database, accessed by group of users

I have some problem with MS Access 97 database, accessed by group of
users
The database has defined various access levels for separate users, but  
administrator has no rights.
When I try to open this database in BDE administrator (logging as user),
database
opens properly, but if I try to open this database with my application
(logging as
the same user) opening fails with error: improper username or password.
If administrator has full rigths, problem dissapears.
My OS: Windows NT 4.0

Regards

--
Jacek Szumigaj