Seeing a dir. in Netscape

[Ali <genesis oruks honk org>]

Hello every one,
I am using redhat 6.0 with a dynamic IP and HTTP is loaded.
I made a directory public_html with the proper chmod, I can see
my homepage in the browser with all the pic. and so on.
Then I made a dir. under /home/username/public_html/images
with chmod 755. The problem is that when i go to Netscape
and go to http://127.0.0.1/username/images it tells me:
Forbiden  I have no permission to see that dir. on this server.
I know I did the proper chmod, what is wrong and how can I correct
this problem.
Thank you
Ali