Help, my weight went down, but lower belly flab

Adpalangi

I've been away for alittle over a week. Cruise, and I seemed to of maintained, wow I was sure I wouldn't be able to do it. Anyway I am coming into my 12th week, and I really hadn't moved the scale much in last three weeks. So far 13 lbs, half my target. I am 49 yrs old, five feet tall and weighing 127. It is noticeable that I've lost some. Not much of inches, but I can see in my second belly, just under belly button has gone down, but the skin or flab hasn't changed too much, kinda weird don't exactly know how to describe it. Anyway will this go down as I loose more weight, or will I have to do something to tone it up. Not athletic at all.
Any words of wisdom with this, please?