hey i know exactly what you mean, im in the same boat. no one would guess i was a virgin and most of my friends dont know, i think most people think if yoy havent done it at this stage there is something wrong with you. i assure you im nearly 21, there is nothin wrong with me - im just not comfortable with that stuff yet, i mean why do it with someone yr not in a relationship with. you'll find there are loads of people like you..haha i just had to post a thread like this to find it out. but apparently we not as rare as you'd think.
best of luck, i hope you get yours when its perfect and special and right!!