You probably need to back up on the training then. The first part of clicker training is called "priming" the clicker, where you click, treat, click, treat. The dog doesn't do anything, it's just for teaching them that the click noise means food is coming.
If you're not using the clicker, I'd just use your praise phrase (most likely "good girl!"), and toss the treat away from her so she feels comfortable getting it. It sounds like she needs to get comfortable enough with you to take food from your hand. That may take a while. You can do the same stuff we've recommended for men - just lie on the floor, and toss treats off to her side.
A dog trainer told me a joke:
Q: How should you approach a dog?
A: You shouldn't.
Okay, I didn't say it was a
funny joke.
It's just to illustrate that a dog will be much more comfortable if you let her decide when she wants to approach you. It's probably best to ignore her for now. What we consider love and attention can actually be a lot of pressure for a shy dog. Move slowly around her, let her come to you, reward her like crazy (in a calm way) when she does.
It sounds like you have your work cut out for you, but I'm sure it will be so rewarding when she learns to trust you.