Need help with fstab config

[Andrew Konosky]

I have 2 windows partitions I would like to mount. C is my Windows 98 
OS, so I want it read-only. D is kind of a swap drive to keep files that 
both OS's can see, such as music and games compatible in wine. I would 
like D to be RW so that users, not just root, can write to it. I googled 
to find howtos and added the fstab entries, but they are not mounting 
like I want them too.

/dev/hda1        /mnt/C            vfat    auto,user,noexec,ro    0 0
/dev/hda5        /mnt/D            vfat    auto,user,rw    0 0


With 'user' in there, I should be able to mount and unmount them as a 
user, but it keeps saying only root can do it. Also, D is mounted as RW, 
but only root has RW and user have RO.

What else do I need to do?