I am actually doing the exact opposite thing (uploading)

. if you go to
www.jscape.com and get there inetfactory.zip it is a great resource on how to upload/download.
now on to some simple code......
import com.jscape.inet.ftp.*;
public class MyFtpAdapter extends FtpAdapter
{
public void disconnected(FtpDisconnectedEvent evt){}
public static void main (
String[] args){
try{
Ftp ftp = new Ftp("ftp.site.com","user","password");
ftp.connect();
ftp.download("stuff.txt");
ftp.disconnect();
}
catch(Exception e){
e.printStackTrace();
}
}
}
this helped me out and had me ftping in no time, hope it helps you.