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.
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand, strawberries in the other, body thoroughly used up, totally worn out and screaming: "Yeah Baby! What a Ride!"