FWIW, the directives I posted I'm using successfully with Apache 2.0 + mod_ssl (on RHEL4).
$ openssl s_client -connect my.host:443 -quiet -ssl2
8641:error:1407F0E5:SSL routines:SSL2_WRITE:ssl handshake failure:s2_pkt.c:428:
Check your main httpd.conf to confirm there is an Include that is pulling in conf.d/ssl.conf or conf.d/*.conf. One quick way to test whether ssl.conf is being pulled in or not is to add a bogus directive to it, e.g.:
And then do a syntax check:
# apachectl -t
Syntax error on line 2 of /etc/httpd/conf.d/ssl.conf:
Invalid command 'BadDirective', perhaps misspelled or defined by a module not included in the server configuration