Cannot install due to server error: .htaccess: IndexIgnore not allowed here

Hi folks. Trying Zen Cart for the first time but I can't get past the installation. Here are the errors I get (**** are my server logins or domains):

/home/****/www/****.com/zencart/includes/.htaccess: IndexIgnore not allowed here, referer: http://****.com/zencart/

/home/****/www/****.com/zencart/zc_install/.htaccess: DirectoryIndex not allowed here

But when I look at my httpd.conf file, I appear to allow overrides except for the last directory entry:

<Directory "/usr/local/apache/htdocs">
AllowOverride Limit Options Indexes
</Directory>

<Directory /home/****/www>
AllowOverride FileInfo AuthConfig Limit
Options MultiViews Indexes SymLinksIfOwnerMatch IncludesNoExec
<Limit GET POST OPTIONS>
Order allow,deny
Allow from all
</Limit>
<LimitExcept GET POST OPTIONS>
Order deny,allow
Deny from all
</LimitExcept>
</Directory>

<Directory "/home/****/www">
Options Indexes SymLinksIfOwnerMatch IncludesNoExec
AllowOverride All
Order allow,deny
Allow from all
</Directory>


<Directory />
Options FollowSymLinks
AllowOverride None
</Directory>

ANy ideas on how to make the installer start up? I am out of ideas. Many thanks, Michael