Amalthea, really, it's no big deal. Everyone makes out like it's such a big deal but it really, truely isn't.
My Mom plays this song from Patsy Cline "Is that all there is?" Basically, that's what I thought after I had sex for the first time. I was really disappointed that everyone made such a big whoop about it.
Just get it over with. There's nothing to be afraid of-except use a condom, of coarse-you knew that.
After it's all said and done, I'm sure you'll be like "Why did I make such a big deal out of that?" But you won't have to worry about it anymore.