Nine-tenths of a good photo is composition, not equipment -- a good eye for the right combination of angle, light, and background. There are many famous photos which were made with what we would today call 'substandard equipment'. Since this is a portrait type shot, I would recommend a morning shoot, when the sun is at about 10 o'clock in the sky (not 10 a.m!). Get her to sit oblique to the sun -- slightly facing it, but not so much it's in her eyes blinding her. She can cut her eyes towards the camera -- that gives it a more 'sexy' look. A hat often comes in handy. Pay particular attention to your background. Digitals don't have F-stops, and you may want the background softened or out of focus. Most digitals emulate this in their 'close up' mode. If you have a good background (park, flowers, old buildings, etc) you may want a sharp focus back there (makes it look closer, picture more 'crowded'). Keep distractions out of the background; the focus of attention should be on the girl. Try different 'exposure' settings by white-balance bracketing. Try B&W or sepia. You've got a digital. It won't cost ya. Nine-tenths of it, tho', is the eye. The composition. And that's something you have to recognize when you see it.