i agree with Rolo: just ask her! Communication is what seems to fuck up so many relationships. If she can't handle talking about sex and how she feels about it then maybe the two of you aren't really ready to be fooling with each other.
If she's got weird puritan/jesus issues then you may have trouble getting anywhere with her. Also, she may have been mistreated in some way at some point (whether she realizes it or not) and may not feel comfortable having someone feel her nether regions.
Oh, i just thought that she might be uncomfortable with her body. She might think she smells or is freaked out about getting wet. Girls are weird sometimes (so are boys).
I doubt this is the case but make sure you aren't being to rough. Just take it easy. Caress her body, give her kisses all over, talk to her. Girls like that stuff
