This file should not lie within your public_html. It should reside at the root level of your home directory (for example, /home/j/h/jharvard/.htpasswd
This file needs to be readable by the Web Server.
fas% which htpasswd /usr/local/bin/htpasswd fas% htpasswd Usage: htpasswd [-c] passwordfile username The -c flag creates a new file.
fas% more ~cscie12/.htpasswd.demo guest:79WeSn3vYGsKQ guest2:wGcgIYLtHNIpM guest3:j9VzpSX/C8Kr2 guest4:CjHmW1PWNFwXM