Radio: I know exactly what your girlfriend is feeling...well I think..lol. When I had my first bf and when we were being intimate..i loved touching him and exploring everything the male body had to offer..but when it came to me..the farthest I'd let him go was the upper torso. He tried to touch me down there and explore, but I was and still am self-conciouse about my genital area..Its emberassing and you dont know how theyre going to react..Perhaps he saw better, what if he thinks its disgusting or weird, does it smell nasty? what if he laughs?. Just because males get selfconsciouse about their package doesnt mean women dont feel the same about their..privates. I have a new bf now and Ive gotten past a lot of other barriers that were there, but I still feel very uncomfortable about being looked at and Especially uh...ahem..given oral?
What I did to get past the uncomfy zone was to slowly let him make his way down..like let him pet my tummy and lick, ect..going a little farther each time we play. But once I started feeling uncomfortable id tell him and hed stop...
So what I suggest (if your intrested) is to talk to your gf (if she feels the same way i did/do)and ask if you can help her by slowly making her feel comforatble about being touched/kissed/whatever around her areas..each time. Tell her that if she thinks that that is far enough..you can stop. And this is very important..once she moves you away or says no.Stop. Trust is everything, and if you cant stop when she asks, shes gonna be reluctant to let you go further..and your taking more steps back than forward. Also, tell her things that will make her feel less selfconciouse, like youll think shes beautiful no matter what..or something/anything that will make her appreciate herself. But be honest and truthful...And telling her Why you like/love her is even better.
All in all...be Truthful, Honest, Open , and Patient...and Enjoy eachother..cause well..thats really what you guys are intrested in, right?

Good luck hun and I hope it works out.!