I agree with a lot said above. I was 15 but not sure that it was what I wanted. I wished that I had waited. I wish that I had talked to someone, like you have. Just really think it through and talk to him.... if he is worth it... then he will wait for you. You have the rest of your life ahead of you.... there will be many magical moments. And, yes always use a condom even if you are on the pill at your age.
take care of yourself.
Juli