.htaccess and ExpressionEngine

I’m working on a project at home and have created this template directory structure (I have the site.group set to default):

expressionengine    
    templates    
        default_site    
            cursos.group    
                index.html    
            programas.group    
                index.html    
            testimonales.group    
                index.html    
            site.group    
                index.html  

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But, EE will not serve the index in any group except site.group.  (I am running on Wampserver 2.2 localhost port 8040)
So my urls:

http://localhost:8040/cursos 
http://localhost:8040/programas
http://localhost:8040/testimonales

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all return a 404. I CAN however, use these urls:

http://localhost:8040/index.php/cursos 
http://localhost:8040/index.php/programas
http://localhost:8040/index.php/testimonales

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The .htaccess I have looks like this (from the EE manual):

<IfModule mod_rewrite.c>
        RewriteEngine On
        # Removes index.php from ExpressionEngine URLs
        RewriteCond $1 !\.(gif|jpe?g|png)$ [NC]
        RewriteCond %{REQUEST_FILENAME} !-f
        RewriteCond %{REQUEST_FILENAME} !-d
        RewriteRule ^(.*)$ /index.php/$1 [L]
</IfModule>

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I have even tried this .htaccess (essentially copying to one from Rackspace with some changes):

RewriteEngine On
RewriteCond $1 ^(cursos|programas|testimonales) [NC]
RewriteCond $1 !^(images|js|crmi_cms|css|themes|favicon\.ico|robots\.txt|files|index\.php) [NC]
RewriteCond $1 !\.(gif|jpe?g|png)$ [NC]
RewriteRule ^(.*)$ /index.php/$1 [L]

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I also have the “Admin->General Configuration->Name of your site’s index page” set to blank.

Any ideas