do you really think it's that serious to see a doctor about it?
It probably isn't serious, but we're not medical professionals here and really can't tell you what it is--it could be one of any number of conditions. If it is bothering you and isn't healing, then I think a trip to a derm is called for.
In the mean time, look at the ingredients in any cleansers or ointments you're using. It's possible you could be reacting to something in them. Soap is very drying so you might consider switching to a soap substitute (I use Cetaphil) and washing your hands less often if possible, using tepid or even cool water rather than very hot water. My hands always get terribly dry during winter, and excessive hand-washing, particularly in hot water, makes the problem worse. You might also consider using a moisturizer. Of course, if any products cause further problems, discontinue their use immediately!
Please let us know what you find out.