Chroot and sftp with SSH 4.3p rel 83 on Redhat EL5

Hi,

we have redhat el5. I ve one user like below

username :x:1198:1198: name surname :/dir1/dir2/dir3/username.domain.edu.tr:bin/false

in sshd_config

Subsystem sftp internal-sftp
Chrott directory %h

when i connect to system with winscp i successfully connect but, i can't write files on user root directory username.domain.edu.tr

because /dir1/dir2/dir3/username.domain.edu.tr folders owned by root:root. otherwise when i changed owner information of username.domain.edu.tr folder to local user

i cannot logon with winscp.

i'm really stuck in here.

what is the correct confiuration of chrooted sftp on ssh ?

thanks in advance ?