There were some interesting threads on here about how fat is distributed once you are at goal weight. It takes about 6 months after you stop losing for the fat to redistribute more evenly over your body.

It may also be impossible to get a completely flat abdomen without goign through a very strict body building program. Women naturally have a little extra softness there. Having a small round is normal and femanine (sp). Genetics, loose skin and a number of other things can also play a part.

If you just try to lose more weight what will possibly happen is the rest of your body gets smaller and smaller making your tummy look bigger in compairison. If you get too thin your tummy will even start to swell and bloat. If you look at some anorexics they look very pregnant after a while.