Dock Clock places a clock in your dock. It is fully customizable. Just click and hold on the Dock Clock icon in the dock and select "Preferences" from the list that appears.
The Universal dilemma: Q: Why isn't this a Universal application? A: Because REALsoftware (http://www.realsoftware.com/) hasn't fixed a problem with the REALbasic 2000 series that ruins the dock icon. I will make it a Universal application when they fix it.