OBGYN-phobia!

My mother keeps insisting that I should go to the OBGYN: mostly because I am 20 years old, I've had 4 different partners (one I'm currently with) and 2 of them had pervious partners. I haven't noticed any changes in my body to hunt that something is wrong (also my doctor said that I didn't need to start going until I was 22-25 or something?) and the 2 guys I was with, I haven't been with in over a year and a half. I also have a phobia of the OBGYN, mostly because I don't like the thought of them "poking around in there" (male or female) and I'm very "close-doored" when it comes to my lady parts. I know I eventually will have no choice but to see them because of me being a woman. I need advice on getting the courage to (what feels like) killing (what's left of) my self esteem to go see them. Please and thank you.