Parishioners at University Baptist Church in Baton Rouge, La., adopted two families that had lost virtually everything in Lacombe, La. Church members helped the families rebuild their homes, and they purchased new furniture and household items to replace those Katrina destroyed.

These are all small steps, of course. But that's why they're successful. Instead of burning through billions of bucks to help everyone simultaneously (the Washington approach) these churches do what they can -- and make a difference. "You help one person at a time," volunteer Don Garland says. And it adds up. "The only way you can [do disaster relief] is by making life better for one person, then another person, then another. Anything else is good intentions."

John Daugherty understands this. He coordinates Cooperative Baptist Fellowship of Louisiana's relief efforts. The group has rebuilt dozens of houses. "It seems like a drop in the bucket, but with these 50 homes, we've made a significant difference," he says.

Not all faith-based efforts were small in scope. Catholic Charities USA took in $16 million and helped 200,000 people. The United Methodist Committee on Relief collected $62 million last year alone. But these big charities worked through local coordinators and groups to ensure their money funded real progress.

Again, compare that with the federal approach. Remember the FEMA trailers? There are 9,855 mobile homes parked near an airport in Hope, Ark. The federal government spent more than $30,000 per trailer, and they've sat empty for a year while Katrina evacuees spread out around the country. Adding insult to injury, Washington has since spent an additional $4.3 million just to keep them from sinking into the ground.

"American taxpayers are spending $250,000 per month to maintain these empty mobile homes, and it is time we do what is right and put them to use," Rep. Mike Ross (D-Ark.) said recently. Maybe he doesn't realize FEMA is "moving in government speed."

As is often the case, Washington's talking heads have missed the point. The lesson of Katrina isn't that we need more federal involvement in our lives. It's that faith and civil society works -- and big, centralized government programs don't.