If you knew that off the top of your head you've scared the hell out of meGJV said:Fungi extend their hyphae into the agar (or whatever they're growing on). They have a fuzzy texture. The forms that they grow in are referred to as rhizoid or filamentous forms, because of the way that the hyphae extend all over the place.
Bacterial colonies are usually visible as punctiform (little dots) or entire, circular colonies. They are usually smooth.