Dragonchilde is absolutely right.
Have you been to your doctor? Do you know what your body fat seems to be? I don't necessarily think this is the case with you, but a friend of mine had some issues similar and she had a fibroid tumor growing that got to be the size of a football, and it just looked like she had a gut. Again, not saying that is the case, just something to check out if all other options come back.
Also, another reason to look to your diet, do you consume a lot of sodium and not a lot of water? You could be retaining water in the area.