Teresa, in the interest of accuracy, you need to read about sexual differentiation in humans 101:
https://en.wikipedia.org/wiki/Sexual...tion_in_humans
All fetuses are "its" when they first form, not female. Sexual differentiation occurs during the second month of incubation and it is determined by chromosomes. Your chromosomes are determined by your father. If one of his X chromosomes pairs with your mother's X during sex, you will be a girl (XX) and begin to differentiate as a girl (uterus, fallopian tubes) in the womb during the second month. If one of your father's Y chromosomes pairs with your mother's X (XY), you will be a boy and begin to differentiate as a boy (testes) in the womb also during the second month. After that the limbs form, the organs, etc.