Bonnie, I haven't read all of the other responses, but I will say that I much prefer the top tucked, because otherwise there appears to be just too much volume.
I agree with JAileen about the "fundamentalist" look. I think that it is probably the styling that is contributing to this. I think you would have to change out the shoes and also add some accessories that were trendy and modern to counteract this look if it is not what you are going for. (I have lots of friends in this group, so I hope no one takes my comment as negative, because it is not meant that way.)
I did see an earlier comment where you said you were not loving the skirt on yourself. If that is the case, I would definitely return it and get something else. I just ordered a pencil skirt from J.Crew (waiting for it, woohoo). It has a raw hem--not sure if that is up your alley. I like the buttoned one that Angie posted as well. I would get that one, but it will be too long for me since I am short.
There are a lot of denim skirts and shirtdresses out there now, so keep looking until you find one that you love.