Well some women are ready earlier than others. It might be out of good self-esteem, it might be about bad self esteem (I'm not proud of myself but I tend to move into this early in a relationship).

It certainly is about what you are comfortable. It's all about when YOU want to advance the relationship to sexual and should NEVER be because you are feeling pressured into it.

Ask yourself if you want to do this and if so what is holding you back (ie. value systems like religion, etc). I think external value systems are sometime too restrictive but that is just my opinion. Your value system needs to be defined by YOU. And that should dictate your decision.

There is nothing wrong with waiting. That actually suggests to me you have some confidence.

But remember, this is about YOU. If you are uncomfortable then you know what the answer should be.