Well, as she is a virgin that probably is why she hurts.
I have been with a few virgins and before I even stuck my cock in them I fingered them and after awhile it hurt sometimes too. But it always took much longer than 5 minces so your girl might be really tight which will be great for you when you finally enter her.
To help her out you may wanna lube her
pussy up nice and good as it will lessen the friction and make her enjoy the fingering longer.
So have you gotten her to cum yet and how do you finger her?
Also does she
and suck you?