Shtml question
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The fact that they're shtml files instead of html files has nothing to do with it.
You're definitely not preventing your site from being indexed. Google reads html and shtml files the same way. In fact, if you "view source" you won't even be able to tell it's shtml.
If you want your site to appear in the address bar of your browser as cushingco.com without the index.shtml showing up, all you need is a simple redirect. This will be good for users and for Google.
RewriteEngine On
RewriteBase /
RewriteCond %{REQUEST_URI} index.shtml
RewriteRule .* http://www.cushingco.com/? [R=301,L]Put that code in your .htaccess file, and you're good to go.