Can i lose this by the summer time?

want to lose all my yucky belly fat, but i dont know how; and i wan to lose it before the summer time. . . i exsersize 3-4 times a week ( 15 minute cardio , then some short ab workout) i havent lost much off my stomach and i reeeeeaaaly want to before the summer time so any tips? and why is it that im losing weight on my body just got on my stomach??? pics -> http://www.flickr.com/photos/48569109@N06/