SSL question

I am trying to get SSL to to work with Postgres 8.1 under CentOS 5. The situation is that I have a key and cert I must
use(so no self-signing) and attempting to access the database yields the message that no client cert was found in the
~/.postgresqldirectory. 

It is my understanding that I do not need a client cert, correct?

I tried to fix this by setting the option "clientcert=0" in my pg_hda.conf file.

Q: How to I make it so that no client cert is required?

I'm a bit of a newbie with Postgres, so any and all information is happily received.

Thanks!