Skin Cracking on penis (Fear of genital warts)

I had my first sexual encounter last year, I used protection for a while and then for the last 10 seconds i took it off), I got tested for Herpes, Gonherrea, Syphlius,HIV, and all the main STD's and they all came back negative. but about 10 or 11 months later, I was masturbaiting with a very hard thick lotion that i never used before when I started to lose the lubrication and there was more resistance when I was preforming I didn't stop to get more lubrication, I just kept going,when I suddenly noticed burning, and when i looked at it i saw a cut 2 cuts beneath the head of my penis, about two days of not masturbaiting later, the cuts scabbed over, and i started masturbaiting again and the scabs came off, so i quit again for a few days untill it healed completly. About 2 days later the pain went away, and a week later i noticed when my penis was flaccid, that just under the head of the penis I saw a lot of wrinkles where the cuts used to be, and little tiny bumps, that look pimples (Not alot though). I was just concerened as to what is was, i was fearing genital warts but they don't look like warts at all, and i have no discharge at all, and i can't see a physician due to low funds and no insurance. Can anyone help me? Could it be because of injury due to masturbation?

[Ted A Grossbart, Ph.D.]

Any thoughts on why you would be so vulnerable to guilt and obsessing around sex?  It sounds like that is what you are up against.

tg