[XeTeX] where to place personal style files?

[John Tang Boyland]

I'm using xelatex through texshop on MacOSX.
/usr/local/teTeX/texmf.cnf says that TEXMF includes $HOME/Library/texmf
but when I typeset (using xelatex), none of the files are found.
(\usepackage{...} fails).  I even forced an ls-R file, to no avail.
Where does xelatex look for files?

Thanks for any help for this newbie,
John

The relevant portion of texmf.cnf is
...
% User texmf trees can be catered for like this...
HOMETEXMF = $HOME/Library/texmf

% Our complete search path, the last three are searched through
% ls-R exclusively, which means that you have to run texhash
% after you have added, moved or deleted files in the tree
TEXMF={$HOMETEXMF,!!$TEXMFLOCAL,!!$TEXMFGW,!!$TEXMFTE,!!$TEXMFMAIN}

JTB