Rather blurry, but nonetheless: http://www.Geocities.Com/diabolikale/asdf. Bmp

it's on my forearm, pink in color, about 1cm in diameter. In the center, there's a raised (0.5mm or so) bump about 3mm in diameter that is hard to the touch and the skin appears to have peeled off it (ridge around the circumference); at the center of it there's a small, "dried-blood" red (blood vessel i'm guessing). The area surrounding is noticeably shiny. No associated pain or sensitivity.

I think it's been there for maybe 6-9 months, can't really be sure. At first I thought it was a spider bite so I didn't pay it much attention, and then forgot about it (it's more on the outside of my forearm so not as noticeable); only recently occurred to me that it might be something more sinister.

Anywho i'm 21, medium brown hair, blue/green eyes, relative couch potato as a child so no real bad sunburns/extensive sun exposure. I'm guessing this is either basal or squamous cell carcinoma, potentially more aggressive due to both my age and the shiny ring around it? I'll be getting it checked out sometime next week through the health center of my college; can general practitioners do the biopsy? I'm not sure if the school offers consultation with a dermatologist, and if not my hmo will probably make me wait about 6 months (notoriously hard to schedule an appt). Also, when people get these at a young age and seemingly not due to previous sun exposure, is there an increased likelihood of developing more?

Thanks!