I know a lot of people who haven't lost their virginity or lost their virginity later than the age of 19. I lost my virginity at 19 (I'm 23 now). I'm a reserved person, I think reserved/quiet people have it a lot harder because we don't come off as naturally "friendly" and outgoing. Perhaps you're a bit like this?
Anyway, my point is you're not the black sheep you think you are. Think about it too...a lot of people lie about their sexual habits just so they can "fit in" because everyone has a similar thought process you have going on...
You're not unlovable or unattractive to all men (or women if that's the case). Have some compassion for yourself. And most of all...be smart. Don't go hooking up with some random dude from the bar that you don't know very well. Like the first poster said, he could hurt you or have an STD or whatever... I know it seems like the end of the world now, but let the frustration pass and you'll find yourself with more patience than you thought you had