My friend said I was chubby? Read details.

I'm thirteen, so is my friend. I asked her if I was fat, and to answer honestly. She said that I was kind of chubby. We were at the pool and I was wearing a two-piece. I asked why. She poked my stomach, and said I had a little belly. I'm 5'1'', and I weigh 98 pounds. I don't have rolls. Then she said I shouldn't wear a bikini because my belly jiggles (I never noticed that?). Please answer the questions.