Tuscon, If you have a friend that will help get your bike to the LBS and the LBS will help you out, I'd have them take a look at it.

The circlip folks are talking about is the little wire around the top outer edge of the bearing you need to remove. It's stuck in a little groove. It retains the bearing and if it doesn't come out first, the bearing is not going to move. If you want to risk trying it yourself, you could use a skewer or small screwdriver to pull the exposed end out of the groove, and then to remove the circlip all the way around the circumference.

You then could use a long, stout screwdriver to reach through the headset and catch on the bearing edge. Then tip tap. Then move the screwdriver to the other edge. Tip tap. Think of how Bob Ross would hit a hammer: "We just want a happy little bearing to pop out. We don't want it to get skewed and stuck. Tip tap! One side. Tip tab! The other side. And the the bearing pops out and we have a happy little bearing recess, ready for a new bearing."

I agree with above: do NOT bash ANYTHING to do with bearings. Unless you're replacing the thrust bearing on the prop shaft of a sinking Ohio Class submarine and the seals are leaking and the boats gonna sink if you don't replace that bearing and the darned thing isn't coming out. I trust that you don't have a submarine: don't bash bearings. Look up the Park Tool Headset Bearing Rocket, and related videos.