You may not always want to use index.htm or index.html as your index file for a directory, for example if you are using PHP files in your site, you may want index.php to be the index file for a directory. You are not limited to ‘index’ files though. Using .htaccess you can set foofoo.blah to be your index file if you want to!
Alternate index files are entered in a list. The server will work from left to right, checking to see if each file exists, if none of them exisit it will display a directory listing (unless, of course, you have turned this off).
DirectoryIndex index.php index.php3 messagebrd.pl index.html index.htm