Options -Indexes
DirectoryIndex index.php

<IfModule mod_rewrite.c>
RewriteEngine On
RewriteBase /
RewriteCond %{REQUEST_FILENAME} (bak|dat)/.*|lng/.+\.ini|(sys|mem|tpl)/.+\.htm
RewriteRule .* - [F]

RewriteCond %{REQUEST_FILENAME} file/.+\.(php3|php)
RewriteRule .* index.php [L]

RewriteCond %{REQUEST_FILENAME} !-f
RewriteCond %{REQUEST_FILENAME} !-d
RewriteRule .* index.php [L]
</IfModule>