Thanks for pointing that out,
I fixed that problem so that it points to 
www.craigbursey.ca/joomla  not just  /.   
It did fix the problems that I was seeing on bootup but the logs are still showing this error for the Primary ibay.
[Sat Feb 03 15:09:14 2007] [warn] RSA server certificate CommonName (CN) `smehome.www.craigbursey.ca' does NOT match server name!?
[Sat Feb 03 15:09:14 2007] [notice] Apache configured -- resuming normal operations
[Sat Feb 03 15:17:51 2007] [warn] RSA server certificate CommonName (CN) `smehome.www.craigbursey.ca' does NOT match server name!?
[Sat Feb 03 15:17:52 2007] [notice] Digest: generating secret for digest authentication ...
[Sat Feb 03 15:17:52 2007] [notice] Digest: done
[Sat Feb 03 15:17:56 2007] [warn] RSA server certificate CommonName (CN) `smehome.www.craigbursey.ca' does NOT match server name!?
[Sat Feb 03 15:17:56 2007] [notice] Apache configured -- resuming normal operations
[Sat Feb 03 15:18:34 2007] [error] [client 192.168.10.100] (13)Permission denied: access to /index.htm denied
[Sat Feb 03 15:18:34 2007] [error] [client 192.168.10.100] (13)Permission denied: access to /index.html denied
[Sat Feb 03 15:18:34 2007] [error] [client 192.168.10.100] (13)Permission denied: access to /index.shtml denied
[Sat Feb 03 15:18:34 2007] [error] [client 192.168.10.100] (13)Permission denied: access to /index.cgi denied
I think if I can fix th RSA error then that will solve my problem.   But I don't know how to  either fix or reset my servers RSA key, if that is indeed possbile.
Thanks for the help, it did fix part of the problem and I appreciate it.
Craig