Is this normal for a 12 year old?

ok soo this is very embarissing and i just want an answer to it..........i have some hair a lil around my my nipple and just tinny bit on my stomich......i am really embarres cuz at the end of this year, i goin to tryout fo cheerleading and im gonna have a physical. in the physical, they hav to check my breast rite? well im just scared if this is not normal. wen i think of hair around nipples, i think that im a boy but im not..plzz help! im 12 yrs old btw