how to respond to .../bar with bar.html and .../bar/ withbar/index.html?

I have files foo.html, bar.html, and bar/index.html

I want the URLs,

* http://example.com/.../foo to respond with foo.html,
* http://example.com/.../bar to respond with bar.html,
* http://example.com/.../bar/ to respond with bar/index.html

I configured, "Options +MultiViews", and sure enough,
http://example.com/.../foo responds with foo.html

- however http://example.com/.../bar redirects to
http://example.com/.../bar/ which responds with bar/index.html

I tried playing with DirectorySlash and "Options -Indexes" - no luck : (

Judging by mod_negotiation.c, line 3091, it looks like MultiViews won't
map http://example.com/.../bar to bar.html as long as the directory
"bar" exists?

Any other way to accomplish what I describe?

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