The charger worked a lot better after I realized I hadn't tightened the battery connectors down on one bank (noticed on the first test.) After about 2 hours, it finally registered as charged, so I tested the cells. They were all over the place - from 3.55v to 3.43v. Packed it up, went to bed and vowed to deal with it tomorrow.

The only solution would be to adjust the charger to shut off at a higher voltage (not easily doable in a day, no adjustments and I would have to hack it without schematics), or I find a 3.7v single cell charger. Seems Canon and Sony cameras and some cell phones use Lithium-Ion batteries and after 4 hours of searching on the net, I went to the dollar store half a block from work. I found a cell phone charger, 3.7v, 355ma and got some alligator clips from a local Radio Shack.

I re-tested the cells when I got home and now they all were within .01v of 3.43v.... Strange, but I want those cells topped off (the RC balancing charger is on the next purchase, along with all the hardware I need - budget) I figure (after testing everything a few times) it'll take about 105 minutes to top off each cell. I have 12 cells... *sigh*