Like Coach Nancy says, sometimes weight loss can be due to water loss. It's pretty common I think to lose a few pounds of water weight when initially starting a new diet & exercise program. (At least for me!)
As long as the number on the scale keeps going down, I'd think that you would eventually lose that fat in those problem areas. The thing is that each individual loses fat differently -- some people lose from certain areas more so than others, depending on your body shape. For example, if you're a pear shape, you will tend to hold more weight in your lower body.
To tone up, I would focus on full-body strength training 2-3 times a week. Fat loss comes from reducing calories (eating less). HIIT sessions (20-30 min.) 2-3 times a week can also boost fat-burning by increasing levels of HGH & increasing metabolism.
Also remember that as you get closer to your ideal body weight, it gets harder. Your progress may be slower but just be consistent and you'll eventually see results!
"I have a personal relationship with food. I love it, but it's on the fence about me." ~Kathy Griffin
"If there was a famine, we'd be the last to survive." ~My mother
| current weight: 137.8