It seems that with the default install that Apache only lists ‘index.html’ as the default document. That seems pretty weird.
Shouldn’t it be ‘index.html index.htm default.html default.htm’?
Many many people don’t use .html (they use .htm) and to get it to work with the current install you have to SSH in and manually edit httpd.conf. For such a common thing, it should be the default.