Well ... the thing is that
fat is
fat is
fat. Some people get it all over, and some people it's pretty localized. (My aunt gains weigh the same way - she always has gorgeous slim legs and hips, but a huge belly - she jokes that she's a walking tummy.) But ultimately it's still
fat and the only way to get rid of it is to lose weight all over and let your
body adjust how it will.
Situps and crunches really won't help much, since you can't target
fat loss. (I know, it sucks, but it's the truth.)
The best thing to do would be to work on losing weight by cutting back on food a bit and doing a combination of
body resistance sort of work and
cardio.
Now, that said, I know that some people are sensitive to wheat, carbs, or gluten (or some combination of the three) and eating those things causes them to get really bloated in the stomach area. If you think that might apply to you, you might try playing aorund with your
diet some - try cutting out certain food types for 3-4 weeks at a time and see if there's any change in your
body shape.
My advice would be to start out reading the stickies in the various forms - especially the ones on
nutrition and exercise. There's some really great information there and it'll give you a good start!