/home/username/www is the same as public_html. Yes, it's a bit
confusing, but the www is what is known as a symlink, which is a link that leads
to a real directory or file. In this case, the www symlink leads to the
public_html directory.
/home/username/tmp contains all your stat files
for webalizer, analog, and awstats.
/home/username/mail and
/home/username/etc contain mail and it's various configuration files.
/home/username/public_ftp is used if anonymous ftp is enabled
_vti_bin, _vti_conf, _private, etc are all part of Front Page extensions. If
you don't see these, don't worry, it just means FP extensions haven't been
installed for this account. If you wish to install them, you may do so from your
cpanel. (see the section on Front Page Questions to learn how)