I tried the trailing slash, and it still does not snag the index.php file. I had a comma separated list with index.html in there too, but for testing purposes, I took out everthing _but_ index.php, and it is still not finding it.
I copied the phpinfo.php to index.php, and reloaded. It loads index.html even when I reload and disable cache.
I am doing something wrong here.
I appreciate your responding so quickly.
edit- I rebooted the server and it now works
Something in my process was faulty, but it is working, and I appreciate the help. -edit