I used to have the exact same problem, and it was always worse in the winter - drier weather and heat contributed to the problem. I have found that the
Spring Valley supplement for Hair, Skin and Nails has worked wonders - not just for fingers that crack and split open, but also for my lips, which also used to dry out, flake and split. (Which of course meant that I would pick at them and make the problem worse. Used to take months to heal. Not anymore!)
You can pick a bottle of these up at Wal-Mart, Rite-Aid, CVS, etc. in the vitamin aisle. You may have to keep your eyes peeled to spot them, but 3 per day will most likely clear up the problem. Give'em a try! (Disclaimer: I'm not a doctor. I never even played one on TV. I'm just someone who stumbled upon this supplement - and am grateful I did.) BTW. I have Rheumatoid Arthritis, which may or may not be related. I think very highly of TJ's advice.