You've loaded index.html into the right directory or your site wouldn't look right; I think you're just a little confused about filename extensions. Oh, and don't apologize for your site.
Normally, the home page for a website is named "index.html".
Some brain-dead operating systems don't allow files to have four letter extensions. Those systems typically name the home page "index.htm"
If you want to use .htm instead of .html, it really doesn't make that much difference. To use index.htm instead of index.html you would want to create a file named .htaccess
Yes, "nothing dot htaccess". If you have trouble creating a file by that name on your puter, name it x.htaccess, upload it, and then rename the file once it is on the server to .htaccess.
This should just be an ordinary text file, containing these lines:
Redirect /index.html http://www.fschobbies.com/index.htm
(You may eventually want to add other lines to your .htaccess - it's quite useful. If you already have one, simply add those lines to your existing file.)
What the first line does is tell Apache that if someone types in the URL of a directory - such as your plain, unadorned domain name - it should look for a file named "index.htm" and display it if it exists, rather than display a list of the files in the directory.
The second line says "if someone types in index.html, tell their browser to ask for index.htm instead and don't bother the user about it"