I don't think she's a hermaphrodite. I only took Bio 101 but here's what I remember. Fetuses start out as "female" as the "male" sex is a genetic abberation. After a fetus with XY chromosomes starts producing hormones, the male sexual organ is formed from parts that would normally develop into female genitalia. Without the testosterone normal male fetuses produce, her organs continued to develop into what normal women have. Since she never had male genitalia and it's implied that her genitalia were unambiguously female in appearance, she's not a hermaphrodite. I think of her as a genetic male, of the female gender, with female sexual organs. What most people consider to be hermaphrodites would probably be someone with ambiguous genitalia or perhaps of ambiguous biological sex.
Since I'm neither an MD nor particularly versed in human sexuality, if I've made a mistake, feel free to correct me.