You have absolutely nothing to worry about. First of all, gynocologists see "lady parts" every day and nothing phases them. Don't be embarrassed because it's all clinical to them.

As far as pain, there is NONE. You will feel the speculum inserted, but most doctors will put some kind of lubricant on it so it slides right in. The speculum will be opened, but the vagina will naturally open so again, this is not painful at all. The doctor will then swab you inside which you will barely feel. After the pap smear the doctor will probably use his fingers to give you a pelvic exam. You will feel pressure from this, but that's all. Again, NO pain.

Just try to relax and it will all be over within a about 2-3 minutes max. It's really not that big of a deal at all.