If you are using Microsoft FrontPage to publish your site please be aware that you CAN NOT use default.htm as the home page. We run Linux RedHat as our server platform and it accepts the following pages as the defaults:

index.htm
index.html
index.shtml (Only use if page includes SSI's - Server Side Includes)

NOTE:  If you wish to use the name default.htm you can create a .htaccess file to change the directory index property.  You will need to have the following line in the .htaccess file:

DirectoryIndex default.htm default.html index.htm index.html index.shtml