How do I say I love Her?(pls read whole detail,and understand from heart)

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I met a girl who supposed to be my neighbor in fact...We became good friends as well as our families were like on family...We went to places,on picnics and were together always...One day i don't know what happened i wrote her a love letter which she handed to her mom which in turn was handed over to my mom(till that time i didn't knew that things)On that day nothing happened but after sometime my mother talked about that with me and the matter got serious.I was crying and locked myself and wrote another letter to(guess who??)GOD!! about what i was feeling and placed it in front of him.Till that time my mother had told abt what happened to her mother and she came to me to console me;she was not at all angry..but i didn't listened to her..After some time i came outside and saw the letter gone and saw it in that girl's hand and shocked..shocked..She came to me in a state of crying and told me to come with her to her house to talk,but i didn't and she went away.Again her mother came to me and said that she has refused to eat if u will not come and took me and i ate with her and we talked.. But from that day i talked to her very less and after some time we shifted to different city.But after 2 yrs. again i came back to the city to study and by god's grace joined her college only..Still we and her family are friends... She is my senior here and some people say she has a boyfriend whom i see roaming in college with her.For the past years i have never looked to a girl because i loved her and still do,but i don't have the courage to tell her,she is sensitive girl and i fear she will again tell her mother about it.I AM HELPLESS,Pls help me out... I m in dire need of it...