Thought I should post this here also.
I got this working, however, it does not solve the problem.
Situation:
The http.conf calling the default-server.conf which in turn calls the define mind-hosts.conf. I have posted the content of each file except for the http.conf which is for the most part default.
In this mess there has to be a reason why the url without the index.html is showing my directory listing.
Examples:
DEFAULT-SERVER.CONF
#
# Global configuration that will be applicable for all virtual hosts, unless
# deleted here, or overriden elswhere.
#
DocumentRoot "/srv/www/htdocs/hingedmind"
<Directory "/srv/www/htdocs/hingedmind">
Options None
AllowOverride None
Order allow,deny
Allow from all
</Directory>
Alias /icons/ "/usr/share/apache2/icons/"
<Directory "/usr/share/apache2/icons">
Options Indexes MultiViews
AllowOverride None
Order allow,deny
Allow from all
</Directory>
<IfModule mod_userdir.c>
UserDir public_html
Include /etc/apache2/mod_userdir.conf
</IfModule>
ScriptAlias /cgi-bin/ "/srv/www/cgi-bin/"
<Directory "/srv/www/cgi-bin">
AllowOverride None
Options +ExecCGI -Includes
Order allow,deny
Allow from all
</Directory>
Include /etc/apache2/conf.d/*.conf
Include /etc/apache2/vhosts.d/mind-hosts.conf
# The manual... if it is installed ('?' means it won't complain)
Include /etc/apache2/conf.d/apache2-manual?conf
# YaST auto define section
<IfDefine SSL>
SSLEngine off
</IfDefine>
MIND-HOSTS.CONF
<VirtualHost *:80>
ServerAdmin
sapient@hingedmind.com
ServerName
www.hingedmind.com
DocumentRoot "/srv/www/htdocs/hingedmind"
ErrorLog /var/log/apache2/hingedmind-error_log
CustomLog /var/log/apache2/hingedmind-access_log combined
HostnameLookups On
UseCanonicalName Off
ServerSignature On
Include /etc/apache2/conf.d/*.conf
<IfModule mod_userdir.c>
serDir public_html
Include /etc/apache2/mod_userdir.conf
</IfModule>
<Directory "/srv/www/htdocs/hingedmind">
Options Indexes FollowSymLinks
AllowOverride None
Order allow,deny
Allow from all
</Directory>
</VirtualHost>