The ISP who hosts our company's web site caught me out as on that host, I have to call the home page index.html - it doesn't work with a .htm extension, which is the default extension generated by Microsoft FrontPage! Took me a while to figure that one out - best check with AOL to see which you should use (or try both)
FTP - I use Terrapin, only 25 quid or so (after a month's trial) and makes manipulating files on my host almost as easy as having it on the hard drive locally. Also it checks and fixes my carelessly broken links and other errors!