problems

Dear Sir.

I'm using one FreeBSD 4.6 with PostgreSQL 7.2.1_1, apache2 and
php4-4.2.1_1 .

The pgsql is running ok, but when the user pgsql try to create a
database, the error message is:

 > createdb example
ERROR:  CREATE DATABASE: permission denied
createdb: database creation failed

the directory structure is:

drwxr-xr-x   4 pgsql  pgsql    512 Aug  6 19:50 .
drwxr-xr-x  29 root   wheel   1024 Aug  6 16:45 ..
-rw-r--r--   1 pgsql  pgsql    323 Jun 21 18:40 .cshrc
-rw-r--r--   1 pgsql  pgsql    403 Jun 21 18:40 .profile
-rw-------   1 pgsql  pgsql   2989 Aug  7 18:11 .psql_history
drwxr-xr-x   2 pgsql  pgsql    512 Aug  6 19:53 Backups
-rw-r--r--   1 pgsql  pgsql  19013 Aug  6 19:10 backup.dbcurso
drwx------   6 pgsql  pgsql    512 Aug  7 20:08 data
-rwxrw-r--   1 pgsql  pgsql    323 Jun 21 18:40 dot.cshrc.dist
-rwxrw-r--   1 pgsql  pgsql    403 Jun 21 18:40 dot.profile.dist
-rw-r--r--   1 pgsql  pgsql   2998 Jun 21 18:40 post-install-notes

the data dir structure is:

drwx------  6 pgsql  pgsql    512 Aug  7 20:08 .
drwxr-xr-x  4 pgsql  pgsql    512 Aug  6 19:50 ..
-rw-------  1 pgsql  pgsql      4 Aug  6 14:08 PG_VERSION
drwx------  6 pgsql  pgsql    512 Aug  6 19:05 base
drwx------  2 pgsql  pgsql    512 Aug  7 20:21 global
-rw-r--r--  1 pgsql  pgsql     20 Aug  7 11:56 passwords
-rw-r--r--  1 pgsql  pgsql      0 Aug  7 11:56 passwords.bk
drwx------  2 pgsql  pgsql    512 Aug  6 14:08 pg_clog
-rw-------  1 pgsql  pgsql  10113 Aug  7 20:08 pg_hba.conf
-rw-------  1 pgsql  pgsql   1250 Aug  6 14:08 pg_ident.conf
drwx------  2 pgsql  pgsql    512 Aug  6 14:08 pg_xlog
-rw-------  1 pgsql  pgsql   3847 Aug  7 17:55 postgresql.conf
-rw-------  1 pgsql  pgsql     26 Aug  7 20:08 postmaster.opts
-rw-------  1 pgsql  pgsql     46 Aug  7 20:08 postmaster.pid

The file pg_hba.conf (last 4 lines) is:

local      all                                           trust
host        all      127.0.0.1       255.255.255.255      trust
host       all      X.Y.Z.W         255.255.255.0        password
host       database X.Y.Z.S         255.255.255.0        crypt


What I need to solve this problem ?

Thanks.