Am I splitting Page Rank?

Should I redirect? If so, how?

[gfujioka]

Hello everyone,

I apologize as I anticipate that this topic has been discussed, but I could not find a thread.

The situation I seek counsel on regarding my site:

example.com PR3
example.com/default.htm PR0
www.example.com/ PR4
www.example.com/default.htm PR3

Am I splitting PageRank? Is this a situation calling for a redirect, and if so, from where to where? I have no experience with redirects.

Thanks very much.