I have two different scenarios:
Scenario 1:

I just upgraded to 6.5 sp1.1 server. Created a new account assigned a
nds password and a simple password. After I launch afpstrt I can login
from my mac(os10.3) for approximately 1.5 minutes then I get the common.

Login failed
Sorry, the password you entered is incorrect. Please reenter it.

Scenario 2:
I just upgraded to 6.5 sp1.1 server. Created a new account assigned a
nds password (did not create the nds password this time) After I launch
afpstrt I can login from my mac(os10.3) for approximately 1.5 minutes
then I get the common.

Login failed
Sorry, the password you entered is incorrect. Please reenter it.

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with a load afptcp cleartext I am up to 30 minutes at this time ;-)
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On top of all of this my account was created before the server came up
(I had two different passwords for simple and NDS) and I enabled
UniversalPasswprd and everything works fine with the NDS password.

My versions of afp are:

afptcp 3/17/04 2.0.12
lsmafp 5/22/02 1.02
lsmafp 11/11/03 3.2.0

Can anyone offer any suggestions?

Thank you in advance and have a great day,
April