Personal folders visible on network

I am having a weird issue.

I have a network with 3 PC's and 2 PS3's.

1. My PC-Win 7

2. Roommate's-Vista Home Premium

3. His girlfriend's- Vista Home Premium

I have enabled sharing on all the external HDD's that are connected to my Win 7 machine. All sharing and security has been set accordingly, and works perfect......

except for some reason, my USER folder "Jay", is completely visible to both Vista machines.
When I access the Network folder on my Win 7 machine, only the Public folders are visible on the two Vista machines.

The strange thing is that when I look at the properties of "Jay" folder, it shows it as being shared, yet in the Advanced sharing window, "Jay" is NOT shared. "users" folder is shared, so I am assuming this is why "Jay" is shared as it is a sub-folder of "users".

And when I look at the permission settings for "Jay", only myself and SYSTEM had permissions.

Now, I managed to workaround this by adding another permission rule to the "Jay" folder. I added NETWORK and set it to DENY straight across the board.

So now, my roommates can still see my USERS folder, but cannot access it.
This, however, is NOT ideal, as this also blocks them from seeing/accessing my PUBLIC folder. I only set the NETWORK deny permissions on "Jay" folder, yet ALL network sub-folders of USERS are blocked.

I have been up/down/thru/around my folder and permission settings for my Win 7 machine, and cannot figure out why that folder "Jay" was visible and being shared, and is still being shared.

Is this a hole in Win 7 security I have found, possibly? Or am I missing something completely obvious?

I can't get the Public folder visible and accessible, without exposing the "Jay" folder to all network users. And if I stop sharing "users", I can't get the Public folder visible.

I wish there was a solution to this. I've been trying to solve the same problem. My personal user folder is accessible by other computers in our network. While I want the Public folder shared, I do not want my personal folder shared. When I right click the folder's properties it shows as shared. When I highlight the folder and right click sharing and say 'share with nobody' the system begins to work and I get the feeling its trying to restore the folder to not being shared. But other pcs still have access. I cannot have the public file shared and not sure the other user files. I have also gone to the manage route by right clicking computer and "manage" but under shares I see not option to stop sharing.