couple of things to think of Melinda:

Are you wearing bikie shorts? if yes, you might try chamois butter and see if it helps. It sounds like your shorts may be rubbing you raw.

I would also look into the seat itself...it could be too cushy and big and causing you to sit in such a way as to put pressure on the wrong areas.

the other thought regarding shorts: Could be the chamois is too thin or too poorly constructed to provide you with aquedate protection.