Weight loss (for me, anyway) tends to be 80% nutrition and 20% exercise. If you're a woman, about a 1200 calorie per day plan is where I start. This is not alot, so you've got to make each one count: cut sweets, cola, alcohol, fat, and empty carbs (white bread, rice). Lots of chicken, veggies, and fruit. And water!!
I hated to exercise too, but have gotten to a point where I hate to not get my workout in. Sometimes you just have to make yourself do it. Start with at least 3 days per week, but 6 is optimal. Since there are no great places to bike, if you must go to a gym I've found the stairmaster tolerable if I can watch TV or read a book or magazine at the same time. Some group classes can be fun if they offer them (spinning, body sculpting, step). Outside of the gym, you could also try taking some adult dance classes (hip hop, tap, ballet). Some people find that working out with a friend makes it more enjoyable and makes them more accountable. I prefer to work out alone, but to each their own!
Finally, if you really want to change your shape, you've got to incorporate weight/strength training. Sounds like your battle is the "pear" shape - it's been mine, too! With aerobic/cardio only I just end up a smaller pear. Adding weights has really sculpted my shape. For legs, if you do nothing else: squat and lunges. I hate them. You'll hate them. But they work!
Oh, one more thing. I have a very hard time working out without music. If you don't have one, invest in an ipod and load it with music that motivates you!
Let us know how it goes!