Well I'm making progress - made a few changes and rebooted the server and now I can get past the Database connection check. I was able to set up the URLs and path info, the admin account and now I'm getting this error when it tries to create the tables.

SQL Error: Access denied for user 'ubbuser'@'localhost' (using password: YES)
SQL Error #: 1045
Query: Unable to connect to the database!

Can anyone tell me what I need to do here? Thank you!