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in your httpd.conf you set
DirectoryIndex index.html index.htm index.php index.cgi index.pl default.htm default.html
apache loads whichever finds first in the order you have
so you need to remove index.html from DirectoryIndex, this directive also works from htaccess file, after you remove index.html, set ErrorDocumen</b>t 404 /404.html or index
in your htaccess
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