User created terms can be put in Taxonomy Hierarchy?

Using CCK and specifically content taxonomy (which is currently a dev snapshot), I am able to create taxonomy fields for users to add terms directly into my taxonomy (using the autocomplete field type) but I want the user to be able to control where they put that term.

For example my Hierarchy is based on location so it looks something like:

Locations - name of vocabulary

• Alabama
• California
• San Diego
• San Jose
• Kentucky
• Ohio
• Cincinnati

So when a user enters in their city like "Louisville", I want them to be able to specify that this city should go under "Kentucky". Currently it is just added at the same level as the states instead of the child of a parent State.

As administrator I can assign which parent the users will be adding the terms to. Obviously that doesn't help because there will be 50 options (all the states) so I can't just specify 1 state as the parent and I would have no idea which state the user will want to add their city to.

So is there a way to accomplish building my taxonomy by allowing users to add their cities under the appropriate state as they are posting a new post. Either with the method I am using or any other method possible.

I am currently using D6 and prefer to look for a solution in 6 rather than go back to 5.

Thanks very much in advance for any advice.