Dude. Tell mom to chill out. If you apply for enough scholarships, you can get several easy. And if you really have a GPA that good, it should be no problem coupled with extra-cirriculars(sp). I graduated with a 3.69 (nonweighted), not the best GPA in my class, but I graduated 21st out of 358. Even with a GPA like that I was able to reel in about 9 different scholarships out of high school.
The best thing to do is to apply for ALL the scholarships you are eligible for. Beleive it nor not, not many high schoolers even apply for most. Look for local scholarships first. The national ones are much harder to win. I'm sure your local community must have atleast 10-15 of them. Many of them just for your school/district sometimes.
The trick is to make sure you apply for as many as you can. Out of those 9 scholarships I won, I probably apply for close to 25 of them. Some scholarships fall into your lap, such as your parents working for a company that gives out scholarships to its employees. Boeing, Wal-Mart, and other large corporations have nice scholarships to employee children as well as non-employee children. Best of all, many of those are regional, increasing your chances of winning.
Colleges often give out scholarships too. I see you're in the SD area. If you plan on going to UCSD, they offer chancellor scholarships (75% of tuition) as well as regents Scholarships (100% of tuition) as do all the UC's. Look into Honors programs at your college too, many of those have funding autorization to give out grants/scholarships to just about anyone who applies.
Seeing as you are taking AP classes, had a 4.0 last semester I would really not stress out. My mom did (she's an Asian in SoCal, I expect no less.
). So I worked my butt off all through Jan-May senior year applying for scholarships and it paid off. Just apply for alot of scholarships to increase your chances. Too many students pass up scholarships because they don't want to do it, or they aren't aware that are is a scholarship for just about everything. People were suprised that I walked off the stage at my high school graduation honor ceremony with 9 scholarships, but it really wasn't too much work. Once you get about 5 essays written, all scholarship essay questions are about the same. Just tweak them a bit, and send them in. Your college app essay questions are useful to use too. There really aren't too many questions they can ask.
Look into grants too, I received a nice renewing 1500 dollar grant for being a dependent of a retired airforce father. All I have to do is keep applying for it every year.
But a note you should make. Winning scholarships is really only useful if you are going to have to pay for full tuition at your school. In the event you receive financial aid, the scholarships sent to some schools are not deducted from YOUR payment to the school, but the amount the school will pay. So in a sense you're just earning your school money and paying the same. Make sure you check with your school if you do. Not to mention your parents are going to have one hell of time doing taxes. It gets really messy sometimes because scholarships complicate their taxes if you are a dependent.
Bottom Line: Apply for all the scholarships you can your Senior year (95% you apply for then). The more exclusive the applicant pool, the higher your chances of winning. High GPA is not the most important thing, make sure to have alot of extra-cirriculars. Such as volunteering, musical instruments, or sports.
Best of luck. Enjoy these last crazy years of high school. It only gets better.