Trust me 120lbs at 5'0 IS NOT THAT BAD! Don't tune me out yet though. I understand the fact you still look fat. So instead of dropping 20 lbs asap (which by the way is not really healthy) try to build and tone your muscles. Focus on excercising every muscle. If you focus on muscles and eating healthy (that means following the food pyrimid) you'll be on your way to a very healthy lifestyle. Not only will you look great but youll feel even better. And if you keep it up every day, you WILL see results.