How to set umask, owner, and group for newly created file under Win2K?

[Subhashis Mohanty]

This question must have been asked many times, and truth be told, a search 
of the web via Google and Emacs archives at gnu.org does find some hits, 
but none answers the question how to set umask, owner and group for newly 
created files in Emacs under Win2K.

. emacs-20.7
. Win2K SP4
. Open new file via C-x C-f
. Save file via C-x C-s

If I create a new file through another means (vi under cygwin bash), the 
file perms, user, and group are as they should be (honouring the umask), 
but under emacs the file perms are wrong, turning the execute bit on for 
the user, and changing the username to Administrator.

There are no deviations from expected umask, username, and group in 
emacs-21.2.1 under Linux 2.4.20-20.9smp.

Any help from the gurus?

Thanks

- Subhashis Mohanty