I'm a girl, and I've actually had this "problem" with my own boyfriend - I didn't want to take my shirt off when we started really getting intimate, because I'm not particularly comfortable being naked around people(I change clothes in the bathroom before gym class >_>).SimuLord said:What this guy said.
But, my boyfriend is absolutely fantastic on the part of making me feel really comfortable and secure in his company. Now, we might be an extreme case, but we talk about everything. Sexual fantasies to deep discussions about the origin of the universe to just trying to figure out what could happen next in the RPs we play to which participant is the coolest/dumbest on ANTM. So I have generally no problems with revealing anything to him.
<spoiler=P.S>That quality of his actually managed to help me spur the confidence to take my shirt off on my own.
However, as you speculate, most girls do have things they're not entirely comfortable with, and that's just something you have to get over. It might take a while for her to open up, but it's always depending on the girl how long if ever - for some there are qualifications that needs to be met before they'll be comfortable to "reveal" themselves to you.
So yeah, bottom line is that she needs to be comfortable, trust, respect and acceptance are vital parts of any relationship, from both sides. Just take your time, and don't pressure her or yourself.