First, keep on going with those organ lessons, and the amount of practice you do each day. When I was 14, I definitely NEVER practiced for 3 hours a day, so I'd say you're doing fine. However, when I was an undergrad in college (as a music ed major) I rarely practiced for LESS than 3 hours a day. Of course, it's not all about the number of hours you log, but how efficiently you use the time.
Second, add sight reading to your daily practice regiment. Pick a book of music, a hymnal, etc, and just READ. Play these pieces slowly enough that you can be reasonably accurate, but DON'T STOP TO FIX MISTAKES. Just play. As one of my teachers used to say, "You only sightread a piece once. After that, it's practicing." When you get to the end of the piece, go on to another. 20 minutes out of your 3 hours will be time well-spent.
Third, I don't know any part-time organists who get paid $40,000, but I'm sure this varies greatly depending on your location and the size of your congregation. But, if you love making music, then the size of your paycheck shouldn't matter, right? (at least, provided that your paycheck is large enough to pay the rent and buy bread)
Fourth, join as many musical groups in your school/church as you can. Join the choir, even if you think you can't sing -- as a music major, you WILL sing, like it or not. See if you can join the band as a mallet percussionist, or something. The more musical experiences you have at this age will contribute to your well-roundedness as a musician.
Finally, take classes, go to camps, etc. Summer's basically over now, but next summer, you should plan on going to a music camp somewhere. I don't know anything about organ camps, but I'm sure there are some! Take music theory classes if your school district offers them.
Good luck!