VSFTPD Local & Virtual Users simultaneously?

I have installed vsftpd on a Red Hat linux system. I am trying to figure out a configuration that will allow Local Users (with real system accounts) to be chroot jailed in their folders - simultanesouly allowing a Virtual User list to access a more general account.

It seems that if I turn on the virtual user features (guest_enable=YES), then local users also get logged into the virtual user folder. I am stumped. Here is a copy of my vsftpd.conf file with the comment lines stripped out:

#---------------------------------------------
anonymous_enable=NO
local_enable=YES
write_enable=NO

local_umask=022
anon_upload_enable=NO
anon_mkdir_write_enable=NO
anon_other_write_enable=NO
dirmessage_enable=YES
xferlog_enable=YES
connect_from_port_20=YES
xferlog_std_format=YES
idle_session_timeout=600
data_connection_timeout=120
ftpd_banner=Welcome to UCP FTP service.

chroot_local_user=YES
guest_enable=YES
guest_username=virtual

user_config_dir=/etc/vsftpd/user_conf

pam_service_name=vsftpd
#---------------------------------------------