find your vaginal opening with your finger. Draw you finger toward your belly button. At the point where you lips meet, there should be a little button of flesh that feels wonderful when you rub it. This is your clit, love it, pet it, take it home, it's your best friend.
You are young. Don't do it if it doesn't feel comfortable for you. The main place would be the clit but I don't like using my own hands (to me it feels strange) get a vibrator and use on yourself to find out what you like.
get relaxed, think about a hot guy/girl (how ever you roll...) and rub parts of ur body that feel good. usually places like your nipples, hips and clit (top part or ur vagina) after you get wet anuff and your clit starts to tingle take 1 or 2 fingers and slowly insert them into ur vagina, continue rubbing ur clit and when you get ur fingers in you make a kind of come here motion. keep doing this as long as you like and have fun ;]