You need to FTP to yourdomain.name, or IP (specified in welcome message). When you FTP to your site, you get into your FTP root. However, when you HTTP (browse) to your site you get into your web root (/WWW). Your default (index) web page must be in the /WWW folder. Anything above /WWW (or on the same level) is not visible from browser.

Some versions of Netscape & Internet Explorer contain FTP functionality. Users using a browser to connect to their site in FTP will want to type in ftp://username:password@ftp.domain.name. Some browsers (including Netscape 6) will place you inside the ftproot directory (you will only be able to see the "public" folder) when you use that location. If, and only if, your browser has this problem, you will need to use this connection string instead: ftp://username:password@ftp.domain.name/username

NOTE: Please place databases outside of WWW (in the DB folder) for security purposes.