[CentOS] Samba and file permissions

A problem that has plagued me for a long time (finally decided to get some expert help) is setting the owner/group on directories/files I create with samba. Here is my situation:

On my Linux/Apache I have a user, smith. The /home/smith directory is owned by smith and is part of the group, todd (me) with permissions 775.

This works fine until I create via samba a directory in smith e.g. /home/smith/test. The directory is owned by todd and smith cannot create a file in it.

What have I missed and how do I fix it?

Todd

P.S. My admin expertise is just moderate since my Linux server just runs and runs without much administration needed.