rocky, i know how you feel man, I'm in my early 20's and haven't done it yet either. I think about it all the time, but in the end, I want my first to be with a girl who I have feelings for and is worthwhile.
I find whats sad in this world is the social acceptance of being a virgin. I wouldn't dare tell my friends or anybody else I know. I just pretend I do it like everybody else. Being a virgin in your 20's is not popular as I've found out, it's sad, but true. Anyways, hang in there man, others guy are like you out there.