(Because im not man enough to say love)
Or because you're too young or too stupid. Not insulting you, but every teenager, including me, fell into this romanticized ideology of "love". Protip: Love is not some magical force, it doesn't create slow-mo high-bloom shots of a women walking, and it's definitely not static anime frames where the girl goes "uguu~". Love is simple; It's the connection one has to another person, that exceeds friendship, and no one under 18 should use the term in a relationship, because more than likely, it's not true.
Holding hands is a shallow way of determining a relationship.
I say hello to her and she replies "Hiya hun." So I assume she likes me
ahahahahahahahahahahahahaha
You assumed she likes her because of the way she greeted you. That's hilarious