I would be very interested in this. CPanel, huh? You running Linux or Windoze and php? Do you actually need a userlist?
The way I got it set up here is that you can see the chat link only if you are logged in as a user. I pass the username via a postargument so there is no need to login again to use the chat. If you think we could set up something like that, it would be cool.
What's nice about php is there is a lot of free stuff out there, modules for forums and chatrooms that work pretty well. We could just change the colors to match and maybe add the little fish logo. Do you know if there is any way to capture a postarg for the user name and blow away any password needed? That would be the best way.