I don't understand why everyone makes such a big deal out of losing your virginity! The first time you have sex is generally not all that much fun and can be kinda painful especially if the person your sleeping with is a virgin too. I wouldn't put so much thought into it and if it feels right at the time then just go for it. Sex is a big part of an adult relationship and of course is a lot of fun. I just find that people make such a huge deal out of sex and it'll just end up being a huge disappointment when it's not as good as you think it'll be.
Also I do agree with what people are saying about the number of people who have lost their virginity. I stayed in halls during 1st year at uni and out of the 10 other girls I stayed with half had not had sex and they are probably still virgins now and are 20/21 so I wouldn't worry about it too much.