Ann,
Lets start with your vagina - lots of women have no sensation from vaginal intercourse - so there is nothing at all odd about that. In fact that makes you absolutely normal.
An lots of women only feel sensation through their clitoris. So that too is normal.
What isn't normal is the sensation on your clitoris is more than you can stand. So I have a few suggestions for you to try.....
First have you used lubrication on your clitoris? And has that lubrication been a good quality lubrication? Bad lubrication is worse than no lubrication. One of the worst ones in my opinion is the one most advertised - KY. It gets sticky and thick and causes friction and then soreness. I use Eros silicon lubrication because it slides really well and never dries out. It is expensive, but you need just a little and you don't have to keep putting it on over and over. I sell it on my web page because I like it so much. There is a female formula and a waterbased formula, but I suggest the silcone formula - especially for you.
Second, you can get a desensitizing gel. It is mostly sold to men who ejaculate too quickly. It is basically like putting oralgel on your clitoris - except it doesn't have all the sugar in it so it won't get thick and sticky.
Third, do you take any medications at all? Things prescribed by a doctor, or things you buy at a store or through an herbalist. Sometime innocent things cause problems with sensation.
Fourth, have you ever discussed this with your gynecologist?
Let me know if any of this helps at all- and if not I] have a few more suggestions. But these are my first choices.
Susan