You say you have a directory in your user and in php.ini - I'm a little confused. Your php.ini shouldn't need to be told anything about directorys really, in its default config it should just work. As for user directories do you mean you have a public_html directory and you are trying to access http://server/~user
?? If so just try putting a file say called test.php in Apache's htdocs folder, ensure that the file is chmoded to 644 and it should be accessable from a browser. If you put
<?PHP phpinfo(); ?>
in the file then it should return some useful info. Once this works then move onto specific user's folders.
You can always post what you've got in you httpd.conf and your php.ini if you think its necessary. To be honest it seems difficult to stop php from just working so it's gotta be something silly! Did you remember to add the php handler lines to httpd.conf as per the installation docs?