I fixed the problem…
Here’s how I did it.
First I added my db info to the new wp-config.php file and saved it to the wordpress folder on my desktop. I also saved my .htaccess file in that folder. I zipped the entire thing up in a .zip file.
So basically I had the new wordpress 2.6.2 installation folder updated with my old htaccess file and an updated wp-config.php file all zipped up into one wordpress.zip file.
I then deleted my entire wordpress installation EXCEPT my /wp-content/ folder and database.
Then I uploaded the wordpress.zip to my site using smartftp, then unzipped it using file manager in cpanel.
I went back to the site and it worked except for the sub pages because the htaccess was not corrent.. so I went into smartftp, chmodded .htaccess to 777, then went into wordpress admin and updated my permalinks structure and that did it.
I hope that helps, or made sense.