What's up with my car?

I have A 1998 Honda Accord, about 100xxx miles. When it is cold it lags to shift, and also when I'm not accelerating it slows itself down, feels like there's something holding it back from rolling at regular coasting speed. Still lags on shifting A little bit when warm. Don't know any trusted mechanics in my area so any input is greatly apprecaited.

NOBODY on an Internet Q&A forum is going to troubleshoot and fix your car for you by remote control. If you "Don't know any trusted mechanics in my area", perhaps it's time to meet a few.

When did you last change the transmission fluid and filter?
It is supposed to be every 50000 miles or every 5 years whichever is first.