OK, I found out I had to install the PHP extension. That got me thru the database setup. So, now I know that both PHP and MySQL are installed and working yet, I am still getting the forbiden page when trying to access the info.php file I added to the directory where the index.html file resides. That file has all permissions, just to make sure.
I have been trying to get this going for quite a few hours now and getting close to the end of my tether. I may have to give up and go back to a more conventional setup as my motive to try Hiawatha and Banshee was the focus on security. However it seems that with my knowledge, or rather lack of it, I should not rely too much on the security aspect as I obviously don't understand what I am doing or how it all hangs together and I may make a mess of it that would introduce vulnerabilities.
Anyway, any help in getting this further is appreciated.