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I think Bella is conflicted in part because she really likes Jacob and can't see her life without him in it somehow. He was the first real friend she made.
Also, she is worried about her parents and how her relationship with them would change if she becomes a vamp. She worries about who will take care of her dad, if she'll be able to control her hunger and not hurt him, etc. So I think Jacob offers an alternative - his dad is best friends with her dad, when she visits Jacob's family and friends she isn't worried about them killing her, and being close to Jacob is soft and warm; whereas, being close to Edward is hard and cold. Plus she's a hormonal teenager....!