pg_hba.conf changes have no effect on cygwin/NT 4.0

So far I have only been able to get psql to start with these pg_hba.conf
entries:

local        all
                                                                   trust
host         all         127.0.0.1     255.255.255.255     trust

Then, I can use
>psql -h localhost template1

and get a prompt. Then if I want to get to another database, I must use \connect
 otherdb.

Any other lines in pg_hba.conf don't seem to work, as for example when I try to
specify an IP address or database,
I get only errors when trying to log in to a specific db as a specific user (No
such user, etc.). Note I am using cygwin/NT 4.0 to run
Postgres 7.0.3. I am starting and stopping postgres after each pg_hba.conf
change. As a result, I'm not getting anywhere
near being able to use ODBC, as it needs a user and database. Do I have to stop
and start ipc_daemon too? (Something tells me I wouldn't have these
problems on a Unix/Linux box....)