Apache per-user directory setup

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http://forums.fedoraforum.org – I have apache installed and I have it all setup so that when I create a user, in their home directory i created a folder called public_html and then that user can upload web content. Users then can browse to their site by going to http://mywebaddress.com/~usersname How can I get apache to show a different or default page if the user does not have a index.html file in their public_html folder. Cause if they dont, you get a 401 saying you dont have permissions to view, etc. So id like apache to default to something else if the user doesnt have a index.html. Can anyone help? thanks in advance. (HowTos)