I've looked for a .htaccess file, but don't see it, even viewed hidden files, nothing. I actually did to a search before I posted here.
I did have the Run PHP as CGI option checked, so I disabled that, let it take effect and removed the .php file so that only the index.htm file was present, still would not read it and now get a Forbidden error.
Oh well, as long as the .php file works I'm fine with that, heh. I'm tired of messing with this for now.
Thanks for the help!