I agree with what I've read from other members...and to add I think you should- after you've talked about it- try giving her oralsex, she won't get very lubricated and ready for full intercourse if she isn't wet enough...if you don't like doing it, or don't know how- learn to like it and learn how to do it. Maybe she'll realize that you're trying to do what it takes. It sounds like she's probably a virgin or just very shy about sex or maybe she's not ready.
The next time you are together try NOT fingering her for at least 25 mins..kiss her and let her relax and get into it. Touch her on top of her pants, then after 10 more mins..try her underwear- don't go under them, see if they're wet, if not- keep kissing her, hold her tight, softly play with her breast, kiss her neck-slowly, with gentle sucking motions, then check the underwear, after 10mins of that she should be wet..then just rub her vaginia, don't rush to finger her, it's nice to see how wet you can make her and how much she'll enjoy feeling you touch her tenderly, then give her oral- that always keeps a woman wet...then while you're giving her oral...wait awhile enjoy the taste, the feeling, the way she moves, watch her to find out what you're doning right or wrong, don't be rough just lick her softly,and keep the same pace!; if she grabs your head she wants it harder, then do it a little harder, then slowly finger her- you'll notice how much easier your fingers go in- it's worth the work; after that she'll be wet and open and ready for you-but put it in slowly..rub the tip around her entrance first, then slowly, pump your 3inches in there, then try an inch more..and so fourth; that SHOULD work.TRY IT