How can i get rid of all that lower belly fat and get that 6 pack for summer of 2010!?!?! Please help!?

I have lost 60 pounds so far and u can kinda see the 2 pack in the upper abs when i stand straight. but i still have that lower pudgy belly fat. and when i bend over my stomach looks like i gained all those 60 pounds back!? i would greatly appreciate the help!
Thanks