So Lets Shaft Our Farmers.....
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My best guess is it could be the start of a wart. These are wery common on fingers. They normally appear as slight lumps and develop into a white head. Personally I�d wait a few days and see what happens as long as you are not in any pain.
Here is a reference that may help.
http://www.tiscali.co.uk/lifestyle/healthfitness/health_ advice/netdoctor/archive/000073.html
Tabby.