It's been two months since the Treasury started doling out TARP funds. Just in time perhaps for a lot of big banks. But smaller banks have been locked out so far, and they're not happy about it. A lot of small banks certainly are in need of relief as the real estate crisis continues to unfold and hundreds have already applied.

According to the AP, Treasury has yet to issue "the necessary guidelines for about 3,000 additional private banks. Most of them are set up as partnerships, with no more than 100 shareholders. They aren't able to issue preferred shares to the government in exchange for capital injections, as other banks can." Treasury officials tell the AP they are working on a solution.

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