하위 계정의 주소 문제......

제 도메인이 http://satap.org 입니다
그 계정에 하위 계정을 주면
http://satap.org/~계정명   이렇게 되는데

인터넷 브라우저에 http://satap.org/~계정명 이라고 치면 파일을 찾을 수 없다는 에러 메세지가 뜨네요...

근데 http://satap.org/~계정명/index.html 이라고 치면 되거든요

원래 http://satap.org/~계정명 이렇게 치면 자동으로 index.html이나 index.htm , index.php 등을 찾아서 떠야 되는 것 아닌가요 ?

제 서버의 httpd.conf 파일의 내용입니다

### Section 1: Global Environment
#
ServerType standalone
ServerRoot "/etc/httpd"
PidFile /var/run/httpd.pid
ResourceConfig /dev/null
AccessConfig /dev/null
Timeout 300
KeepAlive On
MaxKeepAliveRequests 0
KeepAliveTimeout 15
MinSpareServers 16
MaxSpareServers 64
StartServers 16
MaxClients 512
MaxRequestsPerChild 100000

### Section 2: Main server configuration
#
<IfDefine SSL>
Listen 172.31.20.2:80
Listen 172.31.20.2:443
</IfDefine>

User www
Group www
ServerAdmin webadmin@mindong
ServerName satap.org
DocumentRoot "/home/httpd/htdocs"

<Directory />
    Options None
    AllowOverride None
    Order deny,allow
    Deny from all
</Directory>

<Directory "/home/httpd/htdocs">
    Options None
    AllowOverride None
    Order allow,deny
 Allow from all
</Directory>

<Directory /home/*/public_html/>
    AllowOverride FileInfo AuthConfig Limit
    Options MultiViews Indexes SymLinksIfOwnerMatch IncludesNoExec ExecCGI
    <Limit GET POST OPTIONS PROPFIND>
        Order allow,deny
        Allow from all
    </Limit>
    <LimitExcept GET POST OPTIONS PROPFIND>
        Order deny,allow
        Deny from all
    </LimitExcept>
</Directory>

<Files .pl>
    Options None
    AllowOverride None
    Order deny,allow
    Deny from all
</Files>

<IfModule mod_dir.c>
DirectoryIndex index.html index.htm index.php index.php3
</IfModule>

#<IfModule mod_include.c>
#Include conf/mmap.conf
#</IfModule>

UseCanonicalName On

<IfModule mod_mime.c>
TypesConfig /etc/httpd/conf/mime.types
</IfModule>
DefaultType text/plain
HostnameLookups Off

ErrorLog /var/log/httpd/error_log
LogLevel warn
LogFormat "%h %l %u %t "%r" %>s %b "%{Referer}i" "%{User-Agent}i"" combined
LogFormat "%h %l %u %t "%r" %>s %b" common
LogFormat "%{Referer}i -> %U" referer
LogFormat "%{User-agent}i" agent
CustomLog /var/log/httpd/access_log common

ServerSignature Off

<IfModule mod_alias.c>
ScriptAlias /cgi-bin/  "/home/httpd/cgi-bin/"
 <Directory "/home/httpd/cgi-bin">
    AllowOverride None
    Options None
    Order allow,deny
    Allow from all
 </Directory>
</IfModule>

<IfModule mod_mime.c>
AddEncoding x-compress Z
AddEncoding x-gzip gz tgz
AddType application/x-tar .tgz
AddType application/x-httpd-php .php .php3 .htm .html .ph
AddType application/x-httpd-php .php3
AddType application/x-httpd-php-source .phps
</IfModule>

ErrorDocument 404 http://www.mindong/error.htm
ErrorDocument 403 "Access Forbidden -- Go away.

<IfModule mod_setenvif.c>
BrowserMatch "Mozilla/2" nokeepalive
BrowserMatch "MSIE 4.0b2;" nokeepalive downgrade-1.0 force-response-1.0
BrowserMatch "RealPlayer 4.0" force-response-1.0
BrowserMatch "Java/1.0" force-response-1.0
BrowserMatch "JDK/1.0" force-response-1.0
</IfModule>

### Section 3: Virtual Hosts
#
NameVirtualHost 172.31.20.2:80

<VirtualHost 172.31.20.2:80>
ServerAdmin webadmin@mindong
ServerName www.mindong
DocumentRoot "/home/httpd/htdocs"

ErrorLog /var/log/httpd/error_log
TransferLog /var/log/httpd/access_log
</VirtualHost>

## SSL Global Context
#
<IfDefine SSL>
AddType application/x-x509-ca-cert .crt
AddType application/x-pkcs7-crl    .crl
</IfDefine>

<IfModule mod_ssl.c>
SSLPassPhraseDialog     builtin
SSLMutex                sem
SSLRandomSeed startup   file:/dev/urandom 1024
SSLRandomSeed connect   builtin
SSLSessionCache         shm:/var/run/ssl_scache(512000)
SSLSessionCacheTimeout  300
SSLLog                  /var/log/httpd/ssl_engine_log
SSLLogLevel warn
</IfModule>

## SSL Virtual Host Context
#
<IfDefine SSL>
NameVirtualHost 172.31.20.2:443

<VirtualHost 172.31.20.2:443>
ServerAdmin webadmin@mindong
ServerName www.mindong
DocumentRoot "/home/httpd/htdocs"

ErrorLog /var/log/httpd/error_log
TransferLog /var/log/httpd/access_log

SSLEngine on

SSLCipherSuite ALL:!ADH:RC4+RSA:+HIGH:+MEDIUM:+LOW:+SSLv2:+EXP:+eNULL
SSLCertificateFile      /usr/share/ssl/certs/www.crt
SSLCertificateKeyFile   /usr/share/ssl/private/www.key
SSLCARevocationPath     /usr/share/ssl/crl
SSLVerifyClient none
SSLVerifyDepth  10

SetEnvIf User-Agent ".*MSIE.*"
         nokeepalive ssl-unclean-shutdown
         downgrade-1.0 force-response-1.0

CustomLog /var/log/httpd/ssl_request_log
          "%t %h %{SSL_PROTOCOL}x %{SSL_CIPHER}x "%r" %b"
</VirtualHost>
</IfDefine>

이상입니다..

고수님들의 조언 부탁드립니다