Users able to see other users' home folder

Hello. I am in the process of setting up a server and was wondering how to disallow viewing of a user's folder contents by anyone other than the owner. When setting up the home folder directory, I have successfully changed permission for others in the workgroup to read only, however I do not want anyone other than the owner of a folder to see the contents. When I attempt to uncheck the afp/smb sharing options it automatically unchecks the "Make available for home directories" option - which is needed, as this is where the individual home folders reside.

As a quick synopsis, users are added to a group with no shared home folder, individual home folders are placed in a folder called Home Folder, and access to each individual folder (username as name of individual's home folder) should not be allowed on any level (read, write, read-write) by anyone other than the owner who signs in with his/her username and password.

I'm still pretty new to Lion Server (and OS X in general), so I apologize if this isn't very eloquent. I will gladly try to artciulate my question better if needed.

Thanks in advance for any help!