Sun has a
tutorial on using JDNI.
Here is another tutorial you can look through, as it might be a little easier to follow.
Basically, I don't think you're connecting as a priviledged user. "dc=monarch,dc=com" is the suffix of the directory, or the top, but it's not a root DN. You need to create a root DN underneath this suffix in OpenLDAP and make sure it has administrative privledges.