Oracle - Extract user DDL for migration
I resolved my problem using the SQL Developer tool.

I followed the steps in this article to generate the DDL for anything in the database.  I had an 11g DB that I needed to migrate in addition to a 9i and this process was easy for 11g. 

However, for 9i I used the script in this post and ran it in SQLDeveloper to pre-create my users.  Just save the output of the script to a file and then run in SQLDeveloper for ease.