Well, thousands of successful wwf implementations would indicate the problem is at your end, not within wwf.
This is almost always a permissions issue. Be sure that the MDB file is in a folder where IUSR_<machineName> and IWAM_<machineName> have read/write access (because the anonymous user needs to create an .LDB file when modifying the database).
If you are using Windows Authentication, make sure all authenticated users belong to a group that has read/write permissions on the folder where the database exists, and if you can't use a group, step through each user and check that they have sufficient privileges.
Also be sure that the MDB file itself isn't marked as read-only,
You may also see this error if the MDB file has been corrupted during upload. Delete any existing .LDB files and re-upload.
Asp files that access the .MDB may also have been corrupted during upload resulting in malformed sql statements which could cause such an error to occur.