Its possible she might have a granola (sp?) Both DS1 and DD had it. Apparantly it is where a small part of the umbilical cord remains in the belly button. Is there a small raw looking lump? DS1's was quite obvious, so the GP used a chemical swab to cauterise it. DD's one is very deep, you can only see if it you fiddle with her belly button IYGWIM. GP can't do anything, so we're still waiting for an appointment at the hospital. We only found out with DD because of her bellybutton constantly weeping.
We cleared the infection up by cleaning regulary with a cotton bud, and dusting it with cuticura medicated talc - you can't get Sterzac anymore apparently, thats what I asked for!
HTH