g1smd - 2:14 pm on Apr 19, 2011 (gmt 0)
You have missed out the required RewriteEngine On line.
The options line should go near the RewriteEngine On line and you should combine all five lines into one.
Options +FollowSymLinks -Indexes +ExecCGI +Includes -MultiViews
I don't use quotes:
RewriteRule "(^|/)\." - [F]
RewriteRule (^|/)\. - [F]
The |htm|html| pattern simplifies to |html?| in several places.