What else have you tried as a treatment? Does it itch?
Finding an effecive treatment requires trying different topical creams, and based on at least 2 weeks of regular use, you can then deduce whether it's bacterial or fungal or both.
I can't diagnose what you're asking about, but you could try a topical cream that is considered effective on both fungal and bacterial, like ciclopirox olamine: http://www.skinthera...2004/9.7/2.html . Ciclopirox olamine is not as effective as an antifungal as ketoconazole, (www.stiefel.ca/pdf/stieprox_shampoo_pm.pdf see page 10), l but ciclopirox is sometimes prescribed when the physician can't figure out what's actually causing the skin condition, because it's multi-spectrum. Still, there are better antifungals and better antibacterials.
As of August 2012 the FDA implemented a non-enforcement policy that allows individuals to mail order Rx drugs, for personal use only, from places like Thailand and India that essentially have no laws about prescriptions. With some research and personal experience with Rx medicines, you should be able to decide whether your condition is fungal or bacterial or both, assuming it's acceptable to you to buy drugs from overseas.