My boyfriend came into a towel, then used it (the damp area) to wipe me in the crotch & vaginal area. What are the chances of getting pregnant? I'm still a virgin.

NO.
Seriously you need to take some sex ed clases on how the process works!!

If you're not on birth control, which I doubt, you have a small chance of becoming pregnant. It's not for certain, because a couple factors such as, if there was even sperm on the area you used to rub, and if the sperm will in fact make it that far. All you can do is wait it out, and see if your next period comes, if it does not, head down to the drug store and fetch yourself a pregnancy test, and follow the intructions carefully, or a visit to the doctor can also tell you.

Thank you very much... The thing is, my period has started, 2 days after the incident (or at least I think it is period). However, it's not heavy as it is supposed to be on the first two days... it's very light. On the second day of period, the bleeding stopped. I'm afraid it might be the vaginal bleeding during pregancy.