im running apache 1.3 on win98
in HTTPD.conf, check these things
this one controls what options can be changed for a specific directory by a .htaccess file
this one tells the server what folder specific folders should be called, should be default, but check anyway
# This should be changed to whatever you set DocumentRoot to.
<Directory "D:/program files D/Apache Group/Apache/htdocs">
#some stuff, clipped for readibility
# This controls which options the .htaccess files in directories can
# override. Can also be "All", or any combination of "Options", "FileInfo",
# "AuthConfig", and "Limit"
#this one just tells not to give .ht* files to clients
<Files ~ "^\.ht">
Deny from all