Is the fear you have, of the appointment or of finding out that something is wrong? It doesn't sound like anything is wrong, and it's a good idea to finally get to a gynecologist.
Every woman should have a Pap smear, pelvic exam and breast exam done on a regular basis. Tell the ob/gyn that this is your first time and you're nervous, and things should go OK. The only part you will find uncomfortable is when the doc uses a speculum to open your vagina, but breathe deeply a few times, it goes by quickly enough.