With working .htaccess put this file in your cops111 directory: (assuming/knowing) you have a working user monty.
config_local.monty.php
Code:
<?php
/*
* Catalog's title
*/
$config['cops_title_default'] = "MONTY COPS";
Without the line for
$config['cops_basic_authentication'] = array('username' => 'monty', 'password' => 'mypwd');
In my setup if I login with user monty it works.