Xterm not showing Xresources changes

[MallarJ@aol.com]

I'm using KDE 1.1 & Debian 2.1 (slink):

I want my xterms to be yellow on black, and use a geometry that I choose: 
Here's my /etc/X11/Xresources/xterm file:

 XTerm*background: black
 XTerm*foreground: yellow
 XTerm*geometry:   69x28

Any way I open up an Xterm window, it displays full screen in black on white. 
Why isn't it reading my resources file?

-Jay