svn import problem -- Ubuntu

subversion 1.5.1
Ubuntu 8.10

user_at_user-desktop:~/workspace/Net1$ svn import -m"initial import" ./src/
http://localhost/SVN/Net1
Authentication realm: <http://localhost:80> Subversion repository
Password for 'user':
svn: Can't open file '/home/user/SVN/Net1/db/txn-current-lock': Permission
denied
user_at_user-desktop:~/workspace/Net1$

I can point my browser to http://localhost/SVN/Net1, authenticate, and see
that Version 0 has no files...

What am I doing wrong?
TIA for any advice...

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SmartSVN 5 rc 2
WinXP sp 3

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